Addison Auto Insurance For Less Than You're Paying Now

Finding lower rates for Addison auto insurance is challenging for people who are new to buying insurance online. You have so many choices that it can be a real challenge to compare prices in Addison.

Be sure to get all your discounts

Car insurance companies don't list all available discounts very well, so the following is a list of some of the best known as well as the least known auto insurance savings.

  • Club Memberships - Affiliation with a professional or civic organization could qualify you for a break when buying auto insurance.
  • Payment Method - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Passive Restraint Discount - Vehicles equipped with air bags can receive discounts of 20% or more.
  • Employee of Federal Government - Simply working for the federal government may qualify you for a discount depending on your company.
  • Discount for Life Insurance - Companies who offer life insurance give a break if you buy auto and life insurance together.

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous.

For a list of insurers who offer auto insurance discounts in Alabama, follow this link.

Fast and Easy Addison Auto Insurance Quotes

There are several ways you can shop for auto insurance but some are easier and takes less work. You can waste hours talking about coverages with insurance agencies in Addison, or you could save time and use online quotes for quick rates.

Most car insurance companies belong to an insurance system that allows shoppers to submit one quote, and each company returns a rated price. This eliminates the need for quote requests to each individual auto insurance company.

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

The one disadvantage to pricing coverage this way is you are unable to specify the companies you want pricing from. So if you want to select specific insurance companies to compare rates, we put together a list of auto insurance companies in Alabama. Click to view list.

Which method you use is up to you, but double check that you are using apples-to-apples coverage information with every price quote. If you are comparing unequal deductibles or liability limits it will be impossible to find the best deal in Addison. Just a small difference in coverages may result in a large different in cost. It's important to know that getting more free quotes gives you a better chance of getting the best offered rates.

Final considerations

Cheap auto insurance can be bought on the web and also from your neighborhood Addison agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

Consumers change insurance companies for a number of reasons such as questionable increases in premium, unfair underwriting practices, not issuing a premium refund and poor customer service. Regardless of your reason, choosing a new insurance company is not as hard as you think.

When shopping online for auto insurance, don't be tempted to sacrifice coverage to reduce premiums. In too many instances, an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.