Free Guide to Spending Less for Berea, KY Auto Insurance Online

Expensive auto insurance can empty your savings account and make it hard to pay other bills. Comparing price quotes is a smart way to slash your bill and have more diposable income.

There is such a variety of auto insurance companies to pick from, and though it is a good thing to be able to choose, it can be more difficult to find the lowest cost provider.

Free Berea Auto Insurance Quotes

Most companies allow you to get pricing on the web. This process is quite easy as you just type in your coverage preferences as requested by the quote form. Once entered, their system automatically retrieves your credit score and driving record and generates a price based on these factors. This makes comparing rates easy, but the process of having to visit different websites and fill out multiple forms is repetitive and time-consuming. But it’s very important to do this if you want to find the best price on auto insurance.

Compare rates the easy way

The smarter way to find better auto insurance pricing requires only one form to get prices from several companies at one time. It saves time, eliminates repetitive work, and makes online shopping much easier. As soon as you send your information, it is quoted and you can select your choice of the resulting price quotes.

If you find a better price you can click and sign and purchase coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

To quickly compare rates using this form now, click here and submit the form. To compare your current rates, we recommend that you enter the coverage information exactly as they are listed on your policy. This way, you will receive a rate comparison based on similar coverages.

Are you falling for claims of savings?

Auto insurance companies such as State Farm, GEICO and Progressive consistently run ads in print and on television. They all seem to make an identical promise that you can save if you change your policy. But how can every company claim to save you money?

All companies can use profiling for the type of customer that is profitable for them. A good example of a profitable customer could possibly be between the ages of 40 and 55, is a homeowner, and has a short commute. A driver who fits that profile receives the best rates and most likely will save when they switch companies.

Consumers who don’t measure up to this ideal profile must pay higher prices and ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save that much money. That is how insurance companies can advertise the savings.

This illustrates why you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but a few need to be asked for before you will receive the discount.

  • Sign Early and Save – Some companies give discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance.
  • Bundle and Save – If you insure your home and vehicles with the same company you could get a discount of approximately 10% to 15%.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.

Keep in mind that most discount credits are not given the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

But don’t I need an insurance agent?

A small number of people just want to get advice from a local agent and that is OK! The biggest benefit of price shopping on the web is that you can obtain the lowest rates and still choose a local agent. Supporting local businesses is important particularly in Berea.

After filling out this short form, the quote information is sent to agents in your area who will give you bids for your coverage. You won’t need to drive around due to the fact that quote results will go to your email. It doesn’t get any easier! It’s the lowest rates without the usual hassles of price shopping.

Different types of Berea insurance agencies

When searching for a reliable agent, you must know there are a couple different types of agents to choose from. Berea agents can either be independent (non-captive) or captive.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and that require little work on your part. When comparing rates, you should always get quotes from at least one independent agent for maximum quote selection.

Below is a short list of independent agencies in Berea that are able to give pricing information.

Pennington Insurance – 204 Richmond Rd N – Berea, KY 40403 – (859) 986-4561
Berea Insurance – 6 Glades Park # 6 – Berea, KY 40403 – (859) 986-4941

Agency Captives

Captive agencies can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. Captive agents are very knowledgeable on their company’s products which helps them compete with independent agents.

Shown below is a short list of captive agencies in Berea that can give you rate quotes.

Shelter Insurance – 292 Glades Rd # 2 – Berea, KY 40403 – (859) 986-1979
Farm Bureau Insurance – 307 Richmond Rd N # 25 – Berea, KY 40403 – (859) 986-2318
State Farm Insurance – 700 Chestnut St – Berea, KY 40403 – (859) 986-2371

To view a complete directory of captive agencies in Berea, visit this site.

Selecting an insurance agency shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they make recommendations based only on price?
  • How much can you save by raising your physical damage deductibles?

Once you have received acceptable answers to all your questions and an acceptable price quote, you’ve probably found an auto insurance agent that can provide auto insurance coverage.

When might I need help?

When it comes to buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether you might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • Do I need higher deductibles?
  • Do I pay less if my vehicle is kept in my garage?
  • Is business equipment covered while in my vehicle?
  • Does my vehicle qualify for pleasure use?
  • Will my rates increase for filing one claim?
  • If my vehicle is totaled, can I afford another vehicle?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

More information can be found on the website for the Kentucky Department of Insurance. Click here for link. Visitors are able to learn about specific coverages, read industry bulletins, learn about insurance regulations, and download brochures.

The following articles may also be useful.

Keep this in mind

We’ve covered a lot of tips how to lower your auto insurance rates. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from the least-expected company. These companies can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.

Low-cost auto insurance is definitely available on the web and also from your neighborhood Berea agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and these small, regional companies work with independent agents.