A study showed that nearly 70% of consumers kept buying from the same company for four years or more, and 38% of drivers have never even compared rates from other companies. Drivers in Kentucky can cut their rates by as much as 30% a year by just comparing quotes, but they just feel it’s too hard to go online and compare rates.
The preferred way to get budget Chevy Uplander insurance is to start comparing prices yearly from insurers who sell insurance in Lexington.
First, try to understand how your policy works and the modifications you can make to lower rates. Many rating criteria that result in higher prices such as at-fault accidents, careless driving, and a poor credit rating can be improved by making lifestyle changes or driving safer.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can provide prices for a wide range of companies. Start a quote
Third, compare the new quotes to your existing coverage and see if there is a cheaper rate. If you find a better price and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, notify your current company to cancel the current policy. Submit the completed application along with a down payment for the new policy. As soon as you have the new policy, place your new proof of insurance certificate with your vehicle’s registration.
One key aspect of rate comparisons is to try to use the same deductibles and limits on each quote and and to get price quotes from as many different insurance providers as possible. This helps ensure a level playing field and a thorough price selection.
When quoting auto insurance, remember that more quotes provides better odds of finding a lower rate than you’re paying now. Not every company provides online Lexington Uplander insurance quotes, so you should also compare quotes from them, too.
The companies shown below can provide comparison quotes in Lexington, KY. If your goal is to find cheap car insurance in Lexington, we suggest you click on several of them to get a more complete price comparison.
When in doubt talk to an agent
When selecting your policy for your vehicles, there is no single plan that fits everyone. Your situation is unique.
For instance, these questions can aid in determining if you could use an agent’s help.
- Are combined or split liability limits better?
- Exactly who is provided coverage by my policy?
- Is borrowed equipment or tools covered if stolen or damaged?
- Am I better off with higher deductibles on my Chevy Uplander?
- Are my tools covered if they get stolen from my vehicle?
- What is GAP insurance?
- What is the difference between personal and commercial auto insurance policies?
- Does having multiple vehicles earn me a discount?
- Which companies are cheaper for teen drivers?
- Do I really need UM/UIM coverage?
If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form.
Local Lexington insurance agents
A small number of people would rather talk to a local agent and that is OK! One of the great benefits of getting online price quotes is that you can obtain cheap insurance quotes but still work with a licensed agent.
For easy comparison, once you complete this short form, your information is instantly submitted to companies in Lexington who want to provide quotes to get your business. It makes it easy because there is no need to find an agent on your own since price quotes are sent directly to you. You can find the lowest rates AND an agent nearby. In the event you want to quote rates from a specific insurance company, don’t hesitate to visit that company’s website and fill out their quote form.
Picking the best provider needs to be determined by more than just a low price. Before buying a policy in Lexington, get answers to these questions.
- Is the agent properly licensed in Kentucky?
- Can you use your own choice of collision repair facility?
- Can glass repairs be made at your home?
- Where are claims handled?
- How long has their agency been open in Lexington?
- How does the company pay claims for a total loss?
- Is assistance available after office hours?
The different types of auto insurance agents
If you would like to find a reliable insurance agent, there are a couple of different types of agents and how they operate. Insurance agencies can be classified as either independent agents or exclusive agents depending on their employer.
Exclusive Insurance Agencies
Agents of this type can only place business with one company and some examples include State Farm, Allstate and AAA. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Exclusive insurance agents are well trained on their company’s products which helps them sell on service rather than price.
The following are Lexington exclusive insurance agencies willing to provide price quotes.
Joe Daugherty – State Farm Insurance Agent
651 Perimeter Dr Ste 204 – Lexington, KY 40517 – (859) 269-4990 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent often have many company appointments so they have the ability to put coverage with lots of companies and find the cheapest insurance rates. If your agent finds better pricing, the agent simply finds a different carrier and the insured can keep the same agent.
When comparing insurance rates, it’s recommended you include rate quotes from at least one independent agent to ensure the widest selection of prices.
Listed below are Lexington independent agencies that are able to give price quote information.
After getting acceptable answers for all questions you ask as well as a affordable price, you may have just found an insurance agency that can insure your vehicles.