Louisville, Kentucky, named for King Louis XVI of France, is one of America's oldest cities, rich in tradition and famous for its progressive inhabitants. It has been a major Southern city for almost 250 years, and the annual Kentucky derby is the most famous horse race in the United States. The most recent U.S. census puts the city's population at around 1.3 million people--this includes quite a few drivers, and although Louisville auto insurance quotes are lower than quotes for many other American cities, some Louisville drivers are still paying too much for car insurance.
There are several important factors that influence Louisville car insurance quotes. Most importantly, Louisville has extremely low rates of car theft. In fact, it's one of the safest cities in the United States in that respect--this means that your Louisville auto insurance quotes are likely to be lower than they'd be in other cities (though perhaps not as low as in some rural areas of Kentucky). If you pay for comprehensive coverage, you'll be paying very little for car theft protection. However, you can save even more by driving a vehicle with a low incidence of theft, by parking your car in a locked garage at night, and by installing an anti-theft system. Remember, auto theft is one of the biggest claims that insurers see. By keeping your car safe and doing everything you can to avoid theft, you'll save yourself a major claim and you'll lower your premiums.
Louisville also has great public transportation compared to many Southern cities, and as a result, some drivers in the city don't even have to use their vehicles for commuting. If you don't drive often, your car insurance company might be able to provide a special low mileage discount. Discuss this option with your insurer if you're paying a standard rate, but you don't mind proving that you use your car infrequently (usually, an insurance company will use occasional odometer checks to prove this).
However, the best way to save money on Louisville car insurance is to compare as many quotes as you can using our free online tool. By simply entering your zip code, you can get quotes from major insurance providers, which can allow any motorist to find a lower rate without sacrificing coverage. Online car insurance quotes can provide Louisville drivers with negotiation power that can drive down the cost of current policies, and if you're looking for a new policy, there's no better place to start. Car insurance rates are directly tied to the number of quotes that a driver is able to receive--with online quotes, you'll stand a great chance of finding a better rate.