How many times have you told yourself it's time to shop around for lower-priced insurance rates in Henderson, KY? Trying to find low-cost insurance for a new or used car in Kentucky could be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to buy insurance and you need to know the best way to compare rates for a and locate the best price possible from both online companies and Henderson agents.

Getting a low cost price on insurance is pretty simple and can save money. The only thing you need to do is take time to compare rate quotes to see which company has inexpensive Henderson car insurance quotes.

The providers in the list below provide quotes in Kentucky. If more than one company is shown, we recommend you visit several of them to find the cheapest auto insurance rates.

Insurance Rates for Popular Vehicles in Henderson
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,212 $606 $101
Chevrolet Malibu LT $1,332 $666 $111
Chevrolet Silverado LTZ Crew Cab 4WD $976 $488 $81
Dodge Ram Quad Cab Laramie 2WD $1,354 $677 $113
Ford Escape Limited 4WD $900 $450 $75
Ford F-150 Lariat Crew Cab Platinum 4WD $1,122 $561 $94
Ford Focus S 4-Dr Sedan $1,084 $542 $90
GMC Sierra Denali Crew Cab 4WD $1,328 $664 $111
Honda Accord LX-S 2-Dr Coupe $984 $492 $82
Honda CR-V EX-L 2WD $670 $335 $56
Honda Civic DX 4-Dr Sedan $742 $371 $62
Hyundai Elantra Blue 4-Dr Sedan $870 $435 $73
Hyundai Sonata Limited 4-Dr Sedan $1,106 $553 $92
Nissan Altima Hybrid 4-Dr Sedan $930 $465 $78
Nissan Rogue SL 2WD $1,044 $522 $87
Toyota Camry Hybrid $1,298 $649 $108
Toyota Corolla S $916 $458 $76
Toyota Prius $960 $480 $80
Toyota RAV4 Limited 4WD $998 $499 $83
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in your specific Henderson location which can modify coverage prices greatly.

Higher deductibles save money

One of the hardest decisions when shopping for car insurance is how high should the deductibles for physical damage be. The tables below sum up the rate difference when you buy lower versus higher coverage deductibles. The first set of prices uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $220 $350 $278 $16 $84 $973 $81
Elantra Blue 4-Dr Sedan $220 $500 $326 $20 $98 $1,189 $99
Elantra GLS 4-Dr Sedan $252 $500 $326 $20 $98 $1,221 $102
Elantra SE 4-Dr Sedan $252 $500 $326 $20 $98 $1,221 $102
Elantra SE Touring Station Wagon $252 $426 $278 $16 $84 $1,081 $90
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Hyundai Elantra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $178 $282 $278 $16 $84 $838 $70
Elantra Blue 4-Dr Sedan $178 $404 $326 $20 $98 $1,026 $86
Elantra GLS 4-Dr Sedan $206 $404 $326 $20 $98 $1,054 $88
Elantra SE 4-Dr Sedan $206 $404 $326 $20 $98 $1,054 $88
Elantra SE Touring Station Wagon $206 $342 $278 $16 $84 $926 $77
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in your specific Henderson location which can influence auto insurance rates significantly.

Based on these figures, using a $250 deductible will cost in the ballpark of $13 more each month or $156 annually than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have more than 19 months between claims, you would probably come out ahead if you decide on a higher deductible.

You may qualify for discounts

Companies do not list every discount they offer in a way that's easy to find, so the list below contains some of the best known and also the lesser-known discounts you could be receiving when you buy Henderson car insurance online.Car insurance discounts

Drivers should understand that many deductions do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

Popular car insurance companies and a selection of discounts are detailed below.

If you need lower rates, check with each company to apply every possible discount. Some discounts listed above might not be offered on policies in your state.

Don't I need to have guidance from a local insurance agent?

Many drivers would rather buy from a licensed agent and that is a smart decision Good insurance agents can make sure you are properly covered and will help you if you have claims. A good thing about getting online price quotes is you can get the best rates and still have an agent to talk to. And supporting small agencies is important particularly in Henderson.

Henderson insurance agentsTo make it easy to find an agent, after completing this simple form, the coverage information is immediately sent to companies in Henderson who will return price quotes for your coverage. There is no need to find an agent on your own because prices are sent immediately to you. If you want to compare rates from a specific insurance company, you just need to find their quoting web page and fill out their quote form.

Different types of Henderson car insurance agents

If you're trying to find a reputable insurance agent or broker, it helps to know the two different types of agencies from which to choose. Auto insurance agents in Henderson may be either exclusive or independent agents depending on their company appointments. Either one can insure your vehicles properly, but it's important to point out how they differ since it may influence which type of agent you select.

Independent Agents (or Brokers)

Agents in the independent channel do not sell for just one brand so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can just switch to a different company which makes it simple for you.

When comparison shopping, you will definitely want to get some free quotes from several independent insurance agents in order to compare the most rates. Most have the option of insuring with less well-known companies which can save you money.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only write with one company and examples are Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company's rates so they really need to provide good service. These agents receive a lot of sales training on their company's products which helps overcome the inability to quote other rates. Some insured continue to use the same agent primarily because of the prominent brand name and the convenience of having all coverages with one company.

Selecting an insurance agent needs to be determined by more than just the bottom line cost. Before buying a policy in Henderson, get answers to these questions.

Informed drivers know how to buy auto insurance for less

Many things are considered when you get your auto insurance bill. Some are pretty understandable like an MVR report, although some other factors are less apparent like your vehicle usage or how financially stable you are. It's important that you understand some of the factors that go into determining the price you pay for auto insurance. If you know what influences your rates, this enables you to make decisions that may result in lower rates.

The itemized list below are just a few of the factors that factor into premiums.

Insurance premiums and vehicle performance - The performance level of the vehicle you are trying to find cheaper insurance for makes a big difference in how high your rates are. The cheapest insurance rates are usually found on lower performance four cylinder passenger cars, but your final cost has many other factors.

Don't cancel your coverage without a new one in place - Having a lapse in insurance coverage is a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.

How many miles do you drive? - The higher the mileage driven in a year the higher the price you pay to insure it. Many insurance companies charge rates based upon how much you drive. Cars that are left in the garage qualify for better rates than cars that get driven a lot. Verify your vehicle rating is rated on the correct usage for each vehicle.

Marriage can save on auto insurance - Your spouse can actually save you money on your policy. Having a spouse translates into being more mature and insurance companies reward insureds because married drivers tend to file fewer claims.

Buying the right vehicle insurance in Kentucky is an important decision

Despite the high cost of buying insurance in Henderson, maintaining insurance may not be optional for several reasons.

First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection if you don't want to risk a ticket. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a lienholder, most banks will require that you have physical damage coverage to guarantee payment of the loan. If the policy lapses, the lender may have to buy a policy to insure your vehicle at a much higher rate and require you to reimburse them a much higher amount than you were paying before.

Third, insurance safeguards both your vehicle and your personal assets. Insurance will also pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If you have damage to your vehicle as the result of the weather or an accident, your auto insurance policy will pay to have it repaired.

The benefits of insuring your vehicle outweigh the cost, particularly when you have a large claim. Today the average American driver overpays as much as $820 a year so you should quote and compare rates at every policy renewal to save money.

Auto insurance overall losses by make and model

Which makes and models have the fewest claims? The following tables show the best and worst vehicle models for overall likelihood of having large claims for each type of coverage.

Vehicles with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claims Highest Claims
Ford Expedition Kia Forte
Audi A4 Allroad Nissan Versa
Tesla Model S Mitsubishi Lancer
Chevrolet Silverado 3500 Chevrolet Spark
Ford F-350 SuperCrew Nissan Sentra
Land Rover Range Rover Sport Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevy Silverado 2500 Bentley Continental GT
Smart ForTwo Audi S7
Volvo V60 BMW M6
Infiniti QX50 Maserati Granturismo
Nissan Leaf Bentley Continental GTC
Ford F-350 Maserati Quattroporte

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Mini Cooper Bently Continental GTC
Ford Edge Audi RS7
Smart ForTwo Bentley Continental Flying Spur
Jeep Wrangler Nissan GT-R
Chevrolet Colorado Bently Continental GT
Nissan Xterra Maserati Ghibli

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claims Highest Claims
Audi A6 Kia Rio
Mercedes-Benz SL Class Kia Optima
Chevrolet Corvette Hyndai Accent
Subaru Outback Chevrolet Impala
Subaru Forester Dodge Charger
Fiat 500 Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lower rates by being persistent

As you prepare to switch companies, it's not a good idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret they didn't have enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

Insureds change insurance companies for many reasons like poor customer service, an unsatisfactory settlement offer, being labeled a high risk driver and even lack of trust in their agent. No matter why you want to switch, finding a new auto insurance company can be easy and end up saving you some money.

We covered many ways to compare auto insurance car insurance rates in Henderson. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best car insurance rates are with a company that doesn't do a lot of advertising.

Additional auto insurance information can be read at these links: