Lower Rates from Bardstown Car Insurance Providers

When searching for a good insurance agent in Bardstown, KY, you can start your search by comparing prices online instead of calling around. Consumers need an excellent agent, but also cheap rates.

You have multiple insurance agents to pick from, and although it’s nice to have a selection, so many choices can make it hard to find the lowest cost provider.

Online price comparisons from Bardstown agents

Good agents can answer important questions and help file insurance claims. One of the great benefits of comparing rates online is you may find lower rates but also keep your business local.

By using this quick form, the coverage information gets sent to agents in your area who will return price quotes for your coverage. You never need to drive around since price quotes are sent directly to your email. How cool is that?!

Deciding on an insurance agency requires more thought than just the premium amount. These questions are important to ask:

  • Are they able to influence company decisions when a claim is filed?
  • Can glass repairs be made at your home?
  • Is the agency involved in supporting local community causes?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Will your rates increase after a single accident?

Insurance agent types

When finding a local agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Insurance agencies in Bardstown can either be captive or independent (non-captive). Both do a good job, but it’s important to know the difference between them since it may influence the type of agent you choose

Agency Captives

Captive agencies can only write with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Captives cannot compare other company’s rates so it’s a take it or leave it situation. Captives are trained well in insurance sales and that can be a competitive advantage.

The following are Bardstown captive agencies who may provide you with price quote information.

State Farm Insurance – 616 N 3rd St – Bardstown, KY 40004 – (502) 348-6408
Allstate Insurance – 305 N 3rd St – Bardstown, KY 40004 – (502) 348-5508

Independent Insurance Agents

Independent agencies are not locked into one company but rather can write business with many different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When searching for an agent, you should always get quotes from at a minimum one independent agency to have the most options to choose from.

Below are Bardstown independent insurance agencies that are able to give comparison quotes.

Joe Hahn Insurance – 608 Bloomfield Rd – Bardstown, KY 40004 – (502) 348-3113
Lee Insurance Co – 108 Kingston Ct – Bardstown, KY 40004 – (502) 349-1120
Cambridge Agency Systems – 105 Windsor Ave – Bardstown, KY 40004 – (502) 331-9994

For a full directory of Bardstown insurance agents, simply jump to this page.

Upon receiving reasonable responses to all your questions in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that meets your needs to properly service your car insurance policy.

Do online insurance companies cost less?

Insurance agencies are a valuable resource, but you also have the option of buying directly from online companies. Some companies who have local Bardstown agents also permit you to quote and buy online, and that can save time to possibly find a better rate.

If you’re anxious about not getting advice from an agent when buying car insurance direct, this really isn’t an issue. All companies that allow you to purchase coverage provide access to licensed agents to help you decide which coverages are appropriate.

Are online premiums lower? That is a tough question to answer because there are many factors that influence your rates. Some people will tell you that purchasing direct online saves money because there is no agent involvement. For the majority of companies, however, advertising budgets are huge and that impacts the rates consumers pay.

The only way to determine if the cheapest policy comes from an agent or online is to compare price quotes from both. It’s possible to get different rates from the same company depending on if you quote online or with an agent.

Bardstown Kentucky insurance agency

More sites with car insurance information

More detailed Kentucky car insurance information is available at the Kentucky Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, and download brochures.

Also read more on FindNewCarInsurance.com and this page where you can research Bardstown insurance agents.

Final considerations

As you prepare to switch companies, never skimp on coverage in order to save money. In many cases, someone dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

People change insurance companies for a number of reasons such as policy cancellation, high prices, policy non-renewal and unfair underwriting practices. Whatever your reason, switching companies can be easier than you think.