LOUISVILLE AUTO INSURANCE
502-365-5132

We offer the following types of insurance:
Louisville Auto Insurance
Louisville Car Insurance
Homeowners insurance in Louisville
Louisville KY Motorcycle Insurance
Boat Insurance for your Louisville Boat
Renters Insurance in Louisville for contents
RV Insurance for your Louisville RV
Louisville Commercial Auto Insurance

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502-365-5132

Shedding Light On Car Insurance Savings

It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Louisville Car Inusrance from Dick Watts Insurance can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:

• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and wecan do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars in Louisville Car Insurance

• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.

• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.

• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.

• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let’s talk about it.

To learn more about all an independent agency can offer you, call Dick Watts Insurance Louisville Car Insurance  or visit progressiveagent.com.