Smart shoppers know that auto insurance companies don’t want policyholders to shop around. People who shop around for the cheapest price are very likely to move their business because of the high probability of finding a more affordable policy premium. A survey found that people who regularly compared rates saved approximately $850 each year compared to people who never shopped around.
If finding the lowest rates on auto insurance in Louisville is your objective, understanding the best way to compare auto insurance can help simplify the task of finding more affordable coverage.
If you want to save money, the best way to get low-cost auto insurance rates in Louisville is to compare prices once a year from providers in Kentucky. Prices can be compared by following these steps.
Step 1: Try to comprehend how insurance works and the measures you can control to prevent expensive coverage. Many factors that result in higher prices such as traffic violations and poor credit rating can be remedied by making minor changes in your lifestyle.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from multiple sources.
Step 3: Compare the new quotes to the premium of your current policy to see if a cheaper rate is available. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Provide notification to your current company to cancel your existing policy and submit the application along with any required down payment to the newly selected company. Once the paperwork is finalized, put the proof of insurance paperwork along with the vehicle’s registration papers.
An essential thing to point out is to try to compare the same level of coverage on every quote request and and to get price estimates from every company you can. This provides a fair price comparison and and a good selection of different prices.
How to get free Cadillac ATS insurance quotes online
Getting low cost Cadillac ATS car insurance pricing is not rocket science. Consumers just need to take time getting comparison quotes to find the company with cheaper Louisville car insurance quotes.
The following companies can provide free rate quotes in Louisville, KY. To locate the best auto insurance in Louisville, we suggest you compare several of them to get the most affordable price.
Insurance agents near you
A small number of people still prefer to sit down with an agent and that is OK! Insurance agents are trained risk managers and help you file claims. The best thing about getting free rate quotes online is the fact that you can find the lowest rates and also buy local.
Upon completion of this short form, the quote information is sent to local insurance agents that can provide free Louisville car insurance quotes and help you find cheaper coverage. There is no need to find an agent on your own as quotes are delivered to your email. If for some reason you want to get a price quote from a particular provider, just visit that company’s website and submit a quote form there.
Choosing the best insurance company should include more criteria than just the quoted price. Ask your prospective agent these questions:
- Can they provide you with a list of referrals?
- Does the agent help file claims?
- Is the agency involved in supporting local community causes?
- Can glass claims be handled at your home?
- Do they reduce claim amounts on high mileage vehicles?
- Will they take your side in the event of a claim?
- If you have an accident, will your rates go up?
If you’re trying to find a local Louisville insurance agent, you must know there are a couple different types of agencies that you can select. Agents are either independent (non-exclusive) or exclusive. Both types of agents can handle car insurance, but it’s worth learning the difference between them because it may have an impact on the type of agent you choose.
Exclusive Car Insurance Agencies
Agents of this type can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are well schooled on what they offer which helps offset the inability to provide other markets. Some insured continue to purchase coverage from exclusives primarily because of the brand instead of buying on price only.
Below are Louisville exclusive insurance agencies that can give you rate quotes.
- Sam Wheeler – State Farm Insurance Agent
2902 Bardstown Rd – Louisville, KY 40205 – (502) 459-9700 – View Map
- Peggy Druin – State Farm Insurance Agent
1547 Old Preston Hwy N b – Louisville, KY 40229 – (502) 955-9746 – View Map
- Tom Kanaly – State Farm Insurance Agent
6608 Bardstown Rd a – Louisville, KY 40291 – (502) 231-2350 – View Map
Independent Agencies or Brokers
Agents that choose to be independent can sell policies from many different companies and that gives them the ability to insure through lots of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply switch companies in-house and that require little work on your part.
If you need cheaper car insurance rates, you will want to get quotes from a couple of independent agencies in order to have the best price comparison. Most have the option of insuring with small regional insurance companies that can offer cheaper rates than bigger companies.
The following is a list of independent agents in Louisville that can give you price quote information.
- Dick Watts Insurance
12200 Shelbyville Rd #112 – Louisville, KY 40243 – (502) 245-3625 – View Map
- Grant Insurance Agency, LLC
13000 Equity Pl #201 – Louisville, KY 40223 – (502) 254-3332 – View Map
- Nationwide Insurance Ditsler Insurance Inc
1313 Lyndon Ln #102 – Louisville, KY 40222 – (502) 895-0812 – View Map