Finding Cheaper Troy Auto Insurance

No one likes paying for auto insurance, in particular when they are paying too much.

Lots of contend for your business, and it can be difficult to compare rates and get the definite lowest rate

Vehicle Insurance Comparison

There are several ways to shop for auto insurance, and some are easier and takes less work. You could spend your day driving to insurance agencies in Troy, or you could save time and use the web to get pricing more quickly.

All the larger companies take part in a program that allows shoppers to submit their information once, and each company provides a quote based on that data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only drawback to comparing rates this way is you are unable to specify which companies to get pricing from. So if you prefer to choose specific providers to compare rates, we have assembled a list of auto insurance companies in Alabama. View list of Alabama insurance companies.

Which method you use is up to you, but be sure to compare the exact same coverages on every quote you get. If you have different limits and deductibles on each one it will be impossible to determine which rate is truly the best in Troy. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that more quotes will increase your chances of finding lower pricing.

Why some people pay less for insurance in Troy

It's important that you understand some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that could result in lower auto insurance prices.

The list below includes some of the factors companies use to determine premiums.

Don't buy coverages you don't need - There are a lot of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and motor club memberships are examples of these. These coverages may sound good when you first buy your policy, but if you don't need them get rid of them and save.
Your credit rating is important - A driver's credit rating is a important factor in determining your rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit history can use some improvement, you could be paying less to insure your by repairing your credit.
Rates may be higher depending on your occupation - Occupations such as doctors, architects and accountants tend to pay higher rates than average because of high stress and lengthy work days. On the flip side, occupations like scientists, athletes and the unemployed have the lowest average rates.
Safer cars are cheaper to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you may find discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be asked for prior to getting the savings.

Defensive Driving Course - Completing a course in driver safety can save you 5% or more depending on where you live.
Passive Restraint Discount - Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
Accident Free - Good drivers with no accidents can earn big discounts when compared with frequent claim filers.
Fewer Miles Equal More Savings - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.

It's important to note that most credits do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you're out of luck. But any discount will cut the amount you have to pay.

For a list of insurers with the best auto insurance discounts in Troy, follow this link.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone's needs are different and a cookie cutter policy won't apply. For example, these questions may help highlight whether or not you would benefit from professional advice.

Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Are there companies who specialize in insuring high-risk drivers?
Is my nanny covered when driving my vehicle?
Am I covered when driving on a suspended license?
Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

More information is available on the website for the Alabama Department of Insurance located here. Alabama consumers can discover disciplinary actions, find out industry alerts, read industry bulletins, and find disaster information.

Final considerations

Lower-priced auto insurance is definitely available online and with local Troy insurance agents, and you need to price shop both to have the best rate selection. A few companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

You just read a lot of information how to lower your auto insurance rates. The key concept to understand is the more companies you get rates for, the better chance you'll have of finding lower rates. You may be surprised to find that the best price on auto insurance is with a small local company. Smaller companies often have lower prices on specific markets compared to the large companies like .