American Insurance Agency
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(606) 677-0717

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Excellent Insurance Agents in Somerset, KY

American Insurance Agency, LLC Agent Devin Gaffney
Devin M. Gaffney, FSCP, LUTCF
Contact American Insurance Agency of Somerset, KY today for information about all the policies and products our insurance agents have to offer. Feel free to call us at (606) 677-0717, send us a message using the contact form or send us an email, or feel free to simply drop by if you have the time. We're here to serve you.

Hours of Operation

Mon - Fri
-
Sat - Sun
Closed
We accept cash, checks, debit and credit cards.

Contact Information

Address
American Insurance Agency
4311 S Highway 27 Ste 2
Somerset, KY 42501

Phone
(606) 677-0717

Email

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Our Blog 

August 9, 2017
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, American 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 we can 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.

• 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.
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