Car Insurance Quotes in Lexington

Unfortunately, nearly 70% of drivers have stayed with the same insurance company for well over three years, and nearly 40% of drivers have never compared auto insurance rates at all. Kentucky consumers could pocket up to 30% a year just by shopping around, but most just don’t grasp how much savings they would realize if they switched.

If you want to find the absolute lowest rates, then the best way to get affordable car insurance prices is to compare prices regularly from insurers that insure vehicles in Lexington. Price quotes can be compared by following these steps.

First, learn about coverages and the measures you can take to keep rates low. Many policy risk factors that result in higher prices such as speeding tickets, careless driving and poor credit history can be controlled by being financially responsible and driving safely. Later in this article we will cover additional tips to get affordable coverage and find possible discounts that are available.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple insurance companies.

Third, compare the new rate quotes to your current policy premium to see if switching to a new carrier will save money. If you can save money and buy the policy, make sure there is no lapse in coverage.

An essential thing to point out is that you’ll want to compare similar limits and deductibles on every quote and and to get price estimates from as many carriers as you can. This guarantees an apples-to-apples comparison and a complete selection of prices.

Locating the most cost-effective insurance policy in Lexington can be much easier if you know how to start. If you have insurance now, you will surely be able to get lower rates using these tips. Consumers only need to know the most efficient way to buy insurance on the web.

Auto insurance companies offering affordable rate quotes in Kentucky

The providers in the list below are our best choices to provide quotes in Kentucky. In order to find the best car insurance in Lexington, KY, we suggest you visit as many as you can to get the cheapest price.

Insurance Rates for Popular Vehicles in Lexington
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $1,134 $567 $95
Dodge Ram Crew Cab ST 4WD $1,070 $535 $89
Ford Escape Limited 2WD $858 $429 $72
Ford F-150 FX2 Super Cab 2WD $928 $464 $77
Ford Focus SES 2-Dr Coupe $1,104 $552 $92
GMC Sierra SL Crew Cab 4WD $1,074 $537 $90
Honda Accord EX 2-Dr Coupe $1,104 $552 $92
Honda CR-V LX 4WD $834 $417 $70
Honda Civic EX-L 4-Dr Sedan $1,108 $554 $92
Hyundai Sonata Limited 4-Dr Sedan $1,130 $565 $94
Nissan Altima 2.5 S 4-Dr Sedan $1,048 $524 $87
Toyota Camry SE $1,048 $524 $87
Toyota Corolla LE $1,048 $524 $87
Toyota Prius $944 $472 $79
Toyota Tacoma 4WD $928 $464 $77
Get Rate Quotes for Your Vehicle Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in specific location which can affect premiums greatly.

How to lower your car insurance premiums

Many things are considered when you quote your car insurance policy. A few of the factors are predictable such as your driving history, but others are less apparent like your vehicle usage or your vehicle rating.

The items below are a few of the “ingredients” that factor into prices.

Discounts can help to save on auto insurance

Some insurance providers don’t always list every available discount very clearly, so the below list has a few of the more well known in addition to some of the lesser obvious credits available to lower your premiums when you buy Lexington auto insurance online.Cheaper auto insurance with discounts

As is typical with insurance, most of the big mark downs will not be given to the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

To find insurers that offer the discounts shown above in Kentucky, follow this link.

Compare rates but buy from a local Lexington insurance agent

A lot of people would rather visit with an insurance agent and there is nothing wrong with that. Professional insurance agents can help you build your policy and will help you if you have claims. An additional benefit of comparing rates online is that drivers can save money and get lower premium rates and still buy from a local agent.

Insurance agency in LexingtonOnce you complete this short form, your insurance coverage information gets sent to insurance agents in Lexington who will give competitive quotes for your coverage. You don’t have to search for any insurance agencies since rate quotes are delivered directly to you. If you want to get a rate quote from a specific insurance company, you can always navigate to their website to submit a rate quote request.

Finding the right provider should include more criteria than just a low price. Any agent in Lexington should be willing to answer these questions.

How to choose the best car insurance agent in Lexington

When looking for a local agent, there are a couple of types of agencies and how they work. Agents in Lexington may be either exclusive or independent. Both types can insure your vehicles properly, but we need to point out why they differ because it can factor into your agent selection.

Exclusive Car Insurance Agents

Agents that choose to be exclusive can only quote rates from one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They usually cannot compare rates from other companies so you might not find the best rates. Exclusive agents receive a lot of sales training on sales techniques and that can be a competitive advantage.

Below are Lexington exclusive insurance agents that can give you price quote information.

Joe Daugherty – State Farm Insurance Agent
651 Perimeter Dr Ste 204Lexington, KY 40517(859) 269-4990View Map

1316 Versailles RdLexington, KY 40504(859) 253-1626View Map

449 Lewis Hargett Cir #150Lexington, KY 40503(859) 273-8512View Map

View more agents

Independent Car Insurance Agents

Agents in the independent channel can quote rates with many companies so they can insure your vehicles with any number of different companies and get you the best rates possible. If they quote lower rates, your policy is moved internally and you don’t have to do anything. When comparing rate quotes, you will want to contact a few independent agents to ensure the widest selection of prices.

Listed below are Lexington independent insurance agents that are able to give price quotes.

210 Malabu DrLexington, KY 40502(859) 276-1881View Map

3008 Atkinson AveLexington, KY 40509(859) 273-1549View Map

2560 Richmond Rd # 200Lexington, KY 40509(859) 543-0050View Map

View more agents

Quote often and quote early

Budget-friendly car insurance in Lexington is attainable both online in addition to many Lexington insurance agents, so get free Lexington auto insurance quotes from both of them so you have a total pricing picture. There are still a few companies who may not have the ability to get quotes online and these regional insurance providers only sell through independent agents.

In this article, we presented some good ideas how to lower your car insurance premium rates in Lexington. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the biggest savings come from some of the smallest insurance companies. These companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.

Additional learning opportunities