Save Money on Jaguar S-Type Insurance in Louisville

It goes without saying that car insurance companies want to keep you from shopping around. Drivers who get price comparisons are very likely to buy a new policy because there are good odds of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who make a habit of shopping around saved $865 a year compared to policyholders who never shopped around for cheaper prices.

If finding budget-friendly rates on auto insurance is your ultimate goal, then having an understanding of the best way to quote and compare insurance can help you succeed in finding affordable rates.

Discount Jaguar S-Type insuranceThe best way we recommend to find lower priced Jaguar S-Type insurance in Louisville is to do a yearly price comparison from companies who can sell car insurance in Kentucky.

  1. Get an understanding of how your policy works and the things you can control to keep rates down. Many factors that drive up the price such as traffic violations and an imperfect credit score can be amended by making minor changes in your lifestyle.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Allstate, while independent agents can give you price quotes for many different companies.
  3. Compare the new rate quotes to your current policy premium and see if there is a cheaper rate. If you find a better price, make sure there is no lapse in coverage.
  4. Give notification to your agent or company of your intention to cancel your current auto insurance policy. Submit payment along with a signed and completed policy application for your new policy. Once received, place the new proof of insurance certificate with the vehicle registration.

One key aspect when comparing rates is to make sure you’re comparing the same liability limits and deductibles on each price quote and and to get quotes from as many companies as you can. This guarantees a fair price comparison and maximum price selection.

Save money with these seven discounts

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy Louisville car insurance online.Save money with discounts

As is typical with insurance, some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, you’re out of luck.

A few popular companies and their possible discounts are shown below.

When getting free Louisville car insurance quotes, it’s a good idea to each company or agent which discounts you may be entitled to. Some credits might not be offered on policies in Louisville. To locate insurance companies who offer cheap Jaguar S-Type insurance quotes in Louisville, click here to view.

Most companies like State Farm and Allstate allow consumers to get pricing on their websites. This process is fairly simple as you simply enter your personal and coverage information as requested by the quote form. Behind the scenes, their system sends out for reports for credit and driving violations and gives you a price quote based on these factors. This makes comparing rates easy, and it’s necessary to get many rate quotes in order to find the cheapest price possible.

To compare rates now, check out the car insurance providers below. If you have your current policy handy, we recommend that you enter deductibles and limits as close as possible to your current policy. Doing this assures you will have rate quotes based on identical coverages.

The companies shown below are our best choices to provide free quotes in Louisville, KY. If multiple companies are listed, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Special considerations

Always keep in mind that when comparing your policy, there isn’t really a one-size-fits-all type of policy. Everyone’s needs are different so your insurance needs to address that.Higher deductibles save money
For instance, these questions may help highlight whether you would benefit from professional advice.

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

When should I contact an insurance agent?

Many drivers prefer to get advice from a local agent and that is just fine! One of the best bonuses of comparing insurance prices online is the fact that you can find better rates and still have a local agent.

Find insurance agent in LouisvilleAfter completing this short form, the coverage information gets sent to insurance agents in Louisville that can give you free Louisville car insurance quotes for your insurance coverage. You never need to contact any insurance agencies because prices are sent to you instantly. Get lower rates AND a local agent. If for some reason you want to compare prices from one company in particular, don’t hesitate to jump over to their website and fill out the quote form the provide.

Choosing the best company shouldn’t rely on just a cheap price quote. You should also get answers to these questions.

If you are wanting to find a reputable agency, it can be helpful to understand the types of insurance agents and how they are distinctly different. Auto insurance agents are classified as either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agencies

These type of agents generally can only insure with one company such as American Family, State Farm, and Allstate. Exclusive agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are trained well on sales techniques and that can be a competitive advantage.

Below is a list of exclusive insurance agents in Louisville who can help you get price quote information.

6608 Bardstown Rd aLouisville, KY 40291(502) 231-2350View Map

1906 Crums LnLouisville, KY 40216(502) 448-5436View Map

167 S English Station RdLouisville, KY 40245(502) 245-3227View Map

View more agents

Independent Agents (or Brokers)

Agents that choose to be independent can sell policies from many different companies and that allows them to write policies amongst many companies depending on which coverage is best. If they quote lower rates, they simply move the coverage in-house which is easy for the insured. If you are comparing auto insurance prices, you should always include several independent insurance agents so that you can do a thorough price comparison.

Shown below are Louisville independent agencies who can help you get comparison quotes.

3701 Taylorsville Rd #1aLouisville, KY 40220(502) 459-0833View Map

2000 Envoy Cir # 2000Louisville, KY 40299(502) 736-7000View Map

10226 Shelbyville RdLouisville, KY 40223(502) 245-8870View Map

View more agents

Car insurance companies ranked

Ending up with the highest-rated car insurance company can be a challenge considering how many companies provide coverage in Louisville. The company ratings listed below can help you pick which auto insurers to look at to insure your vehicles.

Top Car Insurance Companies in Kentucky
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Erie Insurance 87 84 85 85% A+ 85.3
Farmers Insurance 77 80 80 84% A 80.3
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, crashing into a building, crashing into a ditch, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your S-Type to save money on collision insurance.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/10 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, legal defense fees, loss of income, emergency aid and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford. Kentucky state minimum liability requirements are 25/50/10 but drivers should carry better liability coverage.

The illustration below shows why minimum state limits may not be enough.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, rock chips in glass, a broken windshield, falling objects and hail damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (25/50/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical costs insurance

Med pay and PIP coverage pay for bills for nursing services, prosthetic devices, hospital visits, chiropractic care and pain medications. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

One last thing about your coverage

When you buy Louisville car insurance online, it’s a bad idea to skimp on coverage in order to save money. In many instances, someone sacrificed liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

Some companies do not offer rate quotes online and usually these small insurance companies prefer to sell through independent insurance agents. The cheapest Jaguar S-Type insurance in Louisville is available both online and also from your neighborhood Louisville agents, and you should compare rates from both to have the best rate selection.

We just covered a lot of tips how to shop for Jaguar S-Type insurance online. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting affordable Louisville car insurance quotes. Consumers may even find the best rates are with a smaller regional carrier. They may only write in your state and offer lower car insurance rates compared to the large companies like State Farm and Allstate.

To learn more, feel free to visit these articles: