WEDNESDAY, AUGUST 26, 2015
 If you're like most people, you scout out ways to save money on everyday things like auto insurance. So, your ears are likely to prick up when you hear an insurance provider advertising a 25 percent discount. But before you rush to sign up for the deal, you should know about the "fine print" that often limits these savings.
- You Need to Ask For Discounts: Even if you qualify for discounts, they may not be automatically applied to your policy. Be sure to ask your independent insurance agent for available discounts and discuss the details so you know exactly how you're saving.
- Discounts for Switching Insurers: Renewing with the same insurance provider each year may be easy, but it could cost you. First off, you may be able to find a better deal elsewhere. And secondly, some insurers offer a discount to new customers.
- You May Save Less: Just because you see an advertisement for "up to 25 percent off" doesn't mean you'll save 25 percent. Oftentimes, you can get a partial discount, but not the maximum discount. Your discount rate can vary be state, insurer and your driving record.
- Discounts May Not Apply To Your Entire Policy: Rather than receiving a 15 percent discount off your entire premium, certain discounts may only be applied to a portion of your coverage. For instance, a discount for driving a car with safety features may only be applied to the medical payment portion of your policy. Talk to your agent to find out where you're saving.
- Some Discounts Overwrite Others: If you qualify for two discounts, applying one to your policy may mean that you have to forgo the other. Your agent can help you determine the best deal.
- High-Risk Drivers May Not Save: If you don't qualify for standard auto insurance and need high-risk auto insurance instead, you may not be eligible for any discounts or price breaks. However, this can be reversed after a period of time in which you prove your ability to drive safely.
Discuss auto insurance discounts with your agent today to make the most of options to save.
How much can you save? Call First Insurance Group at (800) 511-2892 for more information on Nicholasville auto insurance
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