The amount you pay for auto insurance in Kentucky and Ohio depends on several factors like your age, your marital status, where you live, and what you drive.
Unfortunately, none of us has the ability to change our age at will. But we can control some of the factors that may contribute to high monthly premiums.
Here are just a few tips that may help reduce your cost of auto insurance.
#1 – Drive a Safe Car
Buying that red Corvette you’ve been eyeing at the local dealer may sound like a dream come true. But you may not enjoy the cost of insurance that comes with it.
Many insurance providers may charge you more for diving a sports car because, let’s face it, you’re more likely to treat speed limits as suggestions rather than laws when you’re behind the wheel of a performance vehicle.
If you’re looking to reduce your car insurance premiums, consider buying a mid- to full-size vehicle with high marks for safety.
#2 – Keep Your Record Clean
It may be too late for some of you, but keeping your driving record clean can greatly reduce your auto insurance rates.
Obey the speed limits. Be observant. And always come to a complete stop. If you need a refresher course on safe driving, consider signing up for a class.
This tip is not an overnight solution to high insurance rates. But it can pay off in the long run.
Make safe driving a habit, and you’ll be on your way to lower car insurance rates.
#3 – Know Your Coverage
Not all car insurance policies are the same. There are several components that make up the final cost.
- Bodily Injury Liability
- Property Damage Liability
- Medical Payments
- Uninsured Motorist Protection
- Collision Coverage
- Comprehensive Coverage
While most of these coverages are required in Kentucky and Ohio, the limits you select and the optional coverages you choose greatly affect your cost of insurance.
To learn more about these auto insurance coverage options, visit our car insurance page.
#4 – Shop Around
There are a lot of insurance providers that offer auto insurance policies: Safeco, Progressive, Travelers – and those are only a few of the big names.
To get the best rate on your car insurance, you’ll have to shop around – which can be extremely time-consuming. The lowest rate is not always the best choice.
If you want to get the coverage you need at a rate you can afford, your best bet is to enlist the help of a real expert.
Burkhart Insurance Agency is an independently owned and locally operated insurance broker with offices in Covington, Kentucky and Cincinnati, Ohio. Our agents work with you to find an auto insurance policy that fits your life. Get an auto insurance quote today!