Have you fallen victim to an overpriced auto insurance policy? Believe me when I say you’re not alone. Many insurance companies vie for your insurance dollar, so it can be very hard to choose a insurance company to find the absolute best rates possible.
If you are insured now or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Buying car insurance in Radcliff is quite easy. Kentucky vehicle owners just need to understand the best way to compare prices over the internet.
The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied before being credited. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.
It’s important to note that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky. But all discounts will bring down your overall premium however.
Lowering your auto insurance rates can be quick and easy. You just have to take a few minutes to compare quotes from different insurance companies. This can be done in a couple of different ways.
It’s up to you which method you use, but be sure to compare identical deductibles and coverage limits for each price quote. If you enter mixed coverages it’s impossible to determine which rate is truly the best in Radcliff.
Consumers need to have an understanding of the rating factors that play a part in calculating auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.
Some people would prefer to get advice from a local agent and there is nothing wrong with that. Insurance agents can point out coverage gaps and help submit paperwork. The best thing about comparing rates online is the fact that you can find lower rates and still choose a local agent. Buying from local businesses is important particularly in Radcliff.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-98.jpg" alt="Radcliff car insurance prices“/>
Once you complete this short form, the quote information is emailed to companies in Radcliff who will compete for your insurance coverage. There is no reason to leave your house because quoted prices will be sent straight to your inbox. Now that’s easy!
When finding a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents can either be independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth mentioning the differences because it can influence your selection of an agent.
These agents are not employed by any specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When shopping rates, it’s recommended you include at least one independent agent for maximum quote selection.
The following are independent agents in Radcliff that are able to give price quote information.
Moulton Insurance Inc – 315 W Lincoln Trail Blvd – Radcliff, KY 40160 – (270) 351-4848
Geico Insurance – 1815 N Dixie Blvd – Radcliff, KY 40160 – (270) 351-8044
Direct General Ins Agency – 173 E Lincoln Trail Blvd – Radcliff, KY 40160 – (270) 352-5656
Captive insurance agents have only one company to place business with like AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to provide prices from multiple companies so keep that in mind. Captive agents are trained well on their products and sales techniques which can be an advantage.
Shown below are Radcliff captive insurance agents willing to provide rate quotes.
State Farm Insurance – 1076 S Dixie Blvd – Radcliff, KY 40160 – (270) 352-0510
Allstate Insurance Co – 663 N Dixie Blvd – Radcliff, KY 40160 – (270) 351-4100
To view a full list of auto insurance agents in Radcliff, go to this page.
Deciding on an insurance agency requires more thought than just a low price. These are valid questions to ask:
Once you have satisfactory answers to these questions and a low price estimate, you’ve probably found an insurance agent that meets your needs to provide auto insurance coverage.
Cheap auto insurance is definitely available from both online companies as well as from independent agents in Radcliff, so compare prices from both to have the best selection. There are still a few companies who don’t offer online price quotes and these regional insurance providers work with independent agents.
When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many situations where an insured cut liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.
Additional auto insurance information is located on the website for the Kentucky Department of Insurance found here. Kentucky drivers can find out industry alerts, find disaster information, file complaints about an insurance agent or broker, and read state legal mandates and laws.