Tested Methods for Low-Cost Florence, KY Car Insurance

Having to pay for overpriced car insurance can overdraw your savings account and force you to make sacrifices. Comparison shopping is a great way to make sure you’re not throwing money away.

Drivers have multiple insurance companies to purchase coverage from, and even though it’s nice to be able to choose, so many choices can make it hard to compare rates and cut insurance costs.

It’s a good idea to do rate comparisons yearly since rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to find out one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

Lower the Price of Insurance with These Tips

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in better car insurance rates.

Listed below are some of the items car insurance companies consider when setting premiums.

  • Careful drivers pay lower rates – Your driving record impacts your car insurance rates tremendously. Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers who get flagrant violations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Do you have a high stress job? – Did you know your car insurance rates can be affected by your occupation? Careers like real estate brokers, business owners and accountants tend to pay higher rates than average because of high stress and lots of time spent at work. On the flip side, occupations such as farmers, athletes and homemakers have the lowest average rates.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Women pay lower rates – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes have accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations like reckless driving and DUI.

Florence Car Insurance Prices Online

All major car insurance companies like State Farm and Allstate provide price estimates directly from their websites. Getting online quotes is pretty painless as you just type in your coverage information into the quote form. After you complete the form, their rating system will order your driving and credit reports and returns pricing information based on many factors. Online quotes simplifies rate comparisons, but having to visit different websites and fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes if you are searching for the lowest car insurance rates.

A more efficient way to find better car insurance pricing makes use of a single form that gets prices from more than one company. It saves time, requires less work, and makes comparison shopping much easier. After sending your information, it is quoted and you are able to buy any or none of the resulting price quotes. If you find a better price it’s easy to complete the application and buy the new coverage. This process just takes a couple of minutes and you’ll know if lower rates are available.

To save time and find out how much you’re overpaying now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you copy the coverage information as close as possible to your current policy. This guarantees you will get a rate comparison using the same coverage and limits.

Pay less by taking advantage of discounts

Companies that sell car insurance don’t always list all their discounts very clearly, so we break down both well-publicized and the harder-to-find ways to save on car insurance.

  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Sign Online – Certain companies give back up to $50 simply for signing digitally online.
  • Save over 55 – Mature drivers can possibly qualify for better car insurance rates.
  • New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save at least 10% off all policies.
  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Low Mileage – Fewer annual miles could qualify for discounted rates on garaged vehicles.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.Kentucky insurance prices

What about my local Florence agents?

Some people prefer to sit down with an agent and that is just fine! The best thing about comparing rates online is that you can obtain the lowest rates but also keep your business local.

To find an agent, once you fill out this short form, the coverage information is emailed to local insurance agents who will compete for your business. You never need to drive around as quotes are delivered to your email. Now that’s easy! It’s the lowest rates and an insurance agent to talk to.

Selecting an provider requires more thought than just the bottom line cost. Any agent should have no problem answering these questions:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they make recommendations based only on price?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Is their price quote a firm figure or are their hidden costs?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If your car is totalled, how to they determine the replacement cost?
  • What is the agency’s Better Business Bureau rating?

Captive and independent Florence auto insurance agents

When looking for a local agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents can either be captive or independent (non-captive).

Agency Captives

Captive insurance agents can only write with one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are trained well on the products they sell which helps them sell insurance even at higher premiums.

Listed below are captive insurance agents in Florence that can give you price quote information.

State Farm Insurance – 600 Meijer Dr # 100 – Florence, KY 41042 – (859) 282-5100
Allstate Cotton Gin Insurance – 7100 Dixie Hwy # D – Florence, KY 41042 – (859) 371-9559
Liberty Mutual Insurance – 8119 Connector Dr – Florence, KY 41042 – (859) 371-0440
Farm Bureau Insurance – 957 Weaver Rd – Florence, KY 41042 – (859) 525-6170
Shelter Insurance – 225 Main St # A2 – Florence, KY 41042 – (859) 282-0999

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.

When searching for an agent, it’s a good idea to get quotes from at a minimum one independent agency to have the most options to choose from.

Shown below is a short list of independent insurance agents in Florence that are able to give price quote information.

Saalfeld Agency Nationwide Ins – 7911 Us Highway 42 # C – Florence, KY 41042 – (859) 371-8999
Michel Insurance – 7420 Us Highway 42 – Florence, KY 41042 – (859) 371-9458
Direct General Ins Agency – 8400 Us Highway 42 – Florence, KY 41042 – (859) 746-0200
Liberty Mutual Insurance – 8119 Connector Dr – Florence, KY 41042 – (859) 371-0440
Great Lakes General Agency-Ky – 35 Shelby St – Florence, KY 41042 – (859) 493-5000

free Kentucky insurance quote

For a full directory of Florence insurance agents, please click here.

Once you have received answers to your satisfaction for all questions you ask and an affordable coverage quote, you’ve probably found an insurance agent that can service your policy.

When might I need an agent?

When choosing the best car insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Is there coverage for injuries to my pets?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy only the required Kentucky minimum liability coverage?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Additional detailed information is located at the Kentucky Department of Insurance website. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, read consumer alerts, and read enforcement actions against agents and companies.

Quote often and quote early

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage and learned later that it was a big mistake. Your focus should be to buy a smart amount of coverage at an affordable rate.

We covered many tips how you can get a better price on car insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the biggest savings come from an unexpected company. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as GEICO and State Farm.