Car Insurance in Abbeville Alabama - 7 Tricks to Save Money

No one in their right mind looks forward to buying car insurance, especially when they are paying too much. You have multiple to buy insurance from, and even though it's nice to have a choice, having more makes it harder to compare rates.

Automobile Insurance Quotes in Abbeville, AL

Most major insurance companies like State Farm, Allstate and GEICO allow you to get pricing on the web. Getting quotes is pretty easy as you simply type in your coverage preferences as detailed in the form. Behind the scenes, their rating system will obtain reports for credit and driving violations and provides a quote based on these and other factors. Being able to quote online makes comparing rates easy, but the work required to visit different websites and type in the same information can be a bit repetitive. But it's very important to have as many quotes as possible in order to find the best price on car insurance.

A less time-consuming method to get multiple rate quotes is to use a quote form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes online quotes much easier. Immediately after you send the form, it is rated and you can select any one of the returned quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy the coverages as shown on your current policy. This way, you will have an apples-to-apples comparison based on similar coverages.

Are you getting all your discounts?

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be asked about before you will receive the discount. If you're not getting every credit you qualify for, you're just leaving money on the table.

Military Rewards - Being deployed with a military unit may qualify for rate reductions.
Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
Life Insurance Discount - Some companies give a discount if you purchase auto and life insurance together.
Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
Multiple Policy Discount - When you have multiple policies with one insurance company you may earn approximately 10% to 15%.

Keep in mind that some credits don't apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn't work that way. But any discount will bring down the cost of coverage.

For a list of insurance companies who offer car insurance discounts in Alabama, click here.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different and your policy should reflect that. For instance, these questions might point out whether you would benefit from professional advice.

Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
When does my teenage driver need to be added to my policy?
What are Alabama no-fault laws?
Do I need special endorsements for business use of my vehicle?
Should I buy only the required Alabama minimum liability coverage?
What are the best liability limits?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

More information can be read on the website for the Alabama Department of Insurance located here. Consumers can view a list of available companies, find out industry alerts, view agent and company licensing information, and read enforcement actions against agents and companies.

Best coverage at the best price

As you go through the steps to switch your coverage, it's very important that you do not reduce needed coverages to save money. There have been many situations where an insured cut collision coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Affordable car insurance can be purchased from both online companies and with local Abbeville insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies do not offer online quoting and these small insurance companies work with independent agents.