Radcliff Kentucky Auto Insurance Savings the Insurance Agents Don’t Want You to Know About

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.

Cut your auto insurance rates with discounts

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.

  • Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Sign Online – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in high school.
  • Save over 55 – Mature drivers may receive a discount up to 10%.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up prior to your current policy expiration. The savings is around 10%.
  • Lower Rates for Military – Having a deployed family member can result in better rates.

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.

How to Compare Radcliff Auto Insurance Costs

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.

  1. The best way to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing separate forms for each company. One simple form will return quotes direct from many companies.
  2. A less efficient way to compare rate quotes requires a trip to the website of each company and request a quote. For examples sake, let’s say you want comparison quotes from Allstate, GEICO and Progressive. To get each rate you have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in Radcliff, click here.
  3. The least efficient way to compare rates is to spend time driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the trained guidance that only a license agent can provide. However, consumers can price shop your coverage online but buy from a local insurance agent and we’ll cover that in a bit.

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.

Learn How to Lower your Rates

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.

  • Where you live is a factor – Being located in less populated areas can save you money when it comes to auto insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Lower population means reduced accidents as well as less vandalism and auto theft.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage if you are found liable for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
  • Extra coverages can waste money – There are a lot of additional coverages that you can get tricked into buying if you aren’t careful. Insurance for roadside assistance, accidental death and term life insurance are examples of these. They may seem good at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Your auto insurance rates can be influenced by your job – Occupations such as lawyers, executives and financial analysts are shown to have higher average rates because of high stress and lots of time spent at work. Conversely, professions such as actors, engineers and the unemployed pay the least.
  • With age comes lower rates – Youthful drivers in Kentucky have a tendency to be careless and easily distracted in a vehicle so auto insurance rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.
  • Please use or commuting – The more miles you rack up on your car in a year the higher your rate. Most insurance companies apply a rate determined by how the vehicle is used. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.

Are insurance agents a thing of the past?

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!

Compare rates from both independent and captive insurance agencies

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.

Independent Agents (or Brokers)

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 Agents

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

Radcliff KY insurance comparisons

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:

  • How much can you save by raising your physical damage deductibles?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How long have they worked with personal auto insurance coverage?
  • Do they carry Errors and Omissions coverage?
  • Will their companies depreciate repairs to your car based on the mileage?

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.

Final considerations

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.