Really, the only way to find affordable car insurance rates is to annually compare prices from insurance carriers who can sell car insurance in Louisville.
First, get a basic knowledge of how companies price auto insurance and the modifications you can make to keep rates low. Many policy risk factors that are responsible for high rates such as multiple speeding tickets and an unacceptable credit rating can be improved by paying attention to minor details. Read the full article for more information to help find cheaper rates and get additional discounts that may have been overlooked.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide price quotes for many different companies. Get quotes now
Third, compare the new rates to your existing coverage to see if a cheaper price is available in Louisville. If you find better rates and buy the policy, make sure coverage is continuous and does not lapse.
Fourth, give notification to your current company of your intent to cancel the current policy. Submit a down payment and signed policy application to your new insurance company. Be sure to store the certificate of insurance with your registration paperwork.
A crucial key to this process is that you use identical limits and deductibles on each price quote and to quote with as many companies as feasibly possible. This provides a level playing field and maximum price selection.
It’s easy to assume that auto insurance companies don’t want their policyholders to compare prices. People who shop around for a cheaper policy will, in all likelihood, switch companies because there is a great chance of finding lower prices. Surprisingly, a recent survey revealed that consumers who regularly compared price quotes saved an average of $70 a month compared to those who never compared prices.
If saving money on Subaru BRZ insurance is your target objective, then having some knowledge of how to quote prices and compare auto insurance can make it easier to find better rates.
To find low cost Louisville car insurance quotes, there are several ways to compare rate quotes from lots of Kentucky car insurance companies. The easiest way to find cheaper Subaru BRZ rates is to jump online and get quotes.
Just keep in mind that comparing a large number of companies provides better odds of finding the best rates. Some smaller insurers do not give online Louisville BRZ insurance quotes, so it’s recommended that you also compare price estimates from the smaller companies as well.
The companies shown below offer free quotes in Kentucky. If multiple companies are listed, it’s a good idea that you visit several of them in order to get a fair rate comparison.
Get rate quotes but still have a local neighborhood Louisville car insurance agent
Certain consumers still prefer to visit with an insurance agent and that is recommended in a lot of cases An additional benefit of comparing insurance prices online is you can get cheap rate quotes and also buy local. And buying from local insurance agencies is definitely important in Louisville.
By using this simple form, the coverage information gets sent to local insurance agents in Louisville who will give you quotes for your coverage. It simplifies rate comparisons since you won’t have to find an agent since rate quotes are delivered to you directly. You can find better rates AND a local agent. If you want to get a comparison quote from a particular provider, don’t hesitate to jump over to their website and fill out the quote form the provide.
If you prefer to buy car insurance from a reputable agency, it helps to know the two different types of agents that differ in how they can insure your vehicles. Car insurance agents are considered either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents (or Brokers)
These type of agents do not write with just one company so as a result can place your coverage with any number of different companies and find you the best rates. If your agent finds better pricing, the business is moved internally and you don’t have to do anything. If you are trying to find cheaper rates, we highly recommend that you get quotes from a few independent agents so that you can do a thorough price comparison. Many independent agencies also insure through less well-known companies which can be an advantage.
The following are independent agencies in Louisville that can possibly get you rate quotes.
- Grant Insurance Agency, LLC
13000 Equity Pl #201 – Louisville, KY 40223 – (502) 254-3332 – View Map
- Epic Insurance Solutions
9700 Ormsby Station Rd #200 – Louisville, KY 40223 – (502) 805-3742 – View Map
- Family Select Insurance
6409 Dutchmans Pkwy – Louisville, KY 40205 – (502) 454-7283 – View Map
Exclusive Car Insurance Agents
These type of agents are contracted to one company like Allstate, Farmers Insurance or State Farm. They generally cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training in insurance sales and that allows them to sell at a higher price point. Many people purchase coverage from exclusives primarily because of the brand name and solid financial strength.
Shown below are exclusive insurance agencies in Louisville that can give you rate quotes.
- Troy Coulter – State Farm Insurance Agent
4906 Outer Loop – Louisville, KY 40219 – (502) 964-2002 – View Map
- Clay Robinson – State Farm Insurance Agent
8145 New La Grange Rd – Louisville, KY 40222 – (502) 426-1511 – View Map
- Bob Dotson – State Farm Insurance Agent
9800 Shelbyville Rd – Louisville, KY 40223 – (502) 339-8086 – View Map
Selecting an insurance agency needs to be determined by more than just a cheap price. Any agent in Louisville should have no problem answering these questions:
- What companies can they write with?
- Will you work with the agent or an assistant?
- Are aftermarket or OEM parts used to repair vehicles?
- How long has their agency been open in Louisville?
- Do they reduce claim amounts on high mileage vehicles?
- Will they make sure you get an adequate claim settlement?