Kentucky’s fatal collision rates are fifteen percent higher than the nation as a whole. Surprisingly our car insurance rates are only 5 percent higher than the rest country. But, I don’t think we should stop there. If you haven’t gotten comparison quotes from at least 5 companies, you’re likely paying more than the average driver in our state or in another. In less than an hour, I found almost $500 in savings just by shopping a bunch of insurers — and I did it all online.
For me, State Farm offered the cheapest premium, a policy that’ll run me $550 a year for state-minimum insurance, or $804 if I opt for upgraded coverage. GEICO’s prices were only a few bucks more and included an extra add-on, so both ended up being a good deal. However, you shouldn’t make any assumptions about which company is the best based upon my success. Quotes are highly dependent on the person who applies; what’s best for me might not be best for you.
Every insurance company has a different formula to calculate your risk as a driver, and the subsequent rates they’ll charge you. It take into account things like your vehicle, driving history, living situation, and more. Even if you polled all of your neighbors to find out which company gave them the lowest rate, the only way for you to find the best car insurance company for you and your family would still be to get several quotes from different providers in your area. I applied for five and found two that had the low rates I was looking for. It takes less than ten minutes to get a quote online, so dive in and see how much money you can save. It’s actually super rewarding work; I don’t think I’ve ever knocked this much of a bill off my budget in less than an hour.
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Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.