How to Get the Cheapest Butler Car Insurance

Are you overwhelmed by the dozens of car insurance companies in Butler? You have a lot of company. You have so many choices that it can turn into more work than you anticipated to find better rates.

It's important to shop coverage around at least once a year due to the fact that insurance rates are constantly changing. Even if you got the lowest price two years ago you may be paying too much now. Block out anything you think you know about car insurance because you're about to find out the tricks you need to know to reduce your cost while improving coverage.

Comprehensive Butler Car Insurance Comparison Quotes

There are multiple methods to compare car insurance prices and some are more efficient than others. You could spend your day discussing policy coverages with insurance companies in Butler, or you could save time and use the web to get rates in a matter of minutes.

All the larger companies are enrolled in a marketplace that enables customers to submit one quote, and at least one company then gives them pricing based on the submitted data. This eliminates the need for quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to getting quotes like this is you can't choose which companies to receive prices from. So if you want to select from a list of companies to compare prices, we have assembled a list of car insurance companies in Alabama. Click to view list.

Whichever way you use, compare exactly the same information for each comparison quote. If each company quotes higher or lower deductibles it's impossible to determine the lowest rate in Butler. Just a small difference in limits may result in large price differences. Just keep in mind that comparing more company's prices will increase your chances of finding the best price.

Tips to Get Lower Butler Rates

It's important that you understand some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The following are a partial list of the pieces used by your company to calculate rates.

Do men or women drive better? - Statistics demonstrate women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
Extra add-on coverages are wasting money - There are a ton of extra coverages that you can buy when buying car insurance. Insurance for personal injury protection, towing coverage and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
Proper usage rating affects rates - Driving more miles in a year the more you will pay for car insurance. Almost all companies charge to insure your cars based on their usage. Vehicles used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Optional equipment can affect rates - Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
Choose a safe vehicle and save - Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
High credit ratings translate to low rates - Credit history is a important factor in calculating your car insurance rates. Therefore, if your credit score is not that good, you could be paying less to insure your by improving your credit score. People with high credit scores tend to be more responsible than those with lower credit scores.
Bad driving skills means higher rates - Your driving citation history has a huge affect on how much you pay. Drivers who don't get tickets have lower premiums compared to drivers with tickets. Just one speeding ticket can bump up the cost forty percent or more. Drivers who have flagrant citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

Don't pay full price with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but less common discounts must be specially asked for before being credited.

Senior Citizens - Older drivers may be able to get a small decrease in premiums.
Driver Safety - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
Save with a New Car - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Drive Less and Save - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

Keep in mind that most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it just doesn't work that way. But any discount will reduce your premiums.

For a list of companies who offer car insurance discounts in Butler, follow this link.

More information is located on the Alabama Department of Insurance website located here. Visitors are able to learn about insurance regulations, discover disciplinary actions, and file complaints about an insurance agent or broker.

Affordable insurance is out there

When buying insurance coverage, it's not a good idea to reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford.

Affordable car insurance can be purchased both online as well as from independent agents in Butler, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies don't offer online quoting and most of the time these small, regional companies sell through independent agents.

Consumers change insurance companies for a number of reasons such as denial of a claim, delays in responding to claim requests, delays in paying claims and unfair underwriting practices. Regardless of your reason, choosing a new insurance company is not as hard as you think.