Free Guide to Spending Less for Andalusia Auto Insurance Online

Having to pay for overpriced auto insurance can empty your checking account and put a big crunch on your finances. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Numerous battle for your business, and because of this it can be hard to compare to get the lowest rate

If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you in Andalusia is not that difficult. Alabama consumers only need to know the tricks to find the lowest price over the internet.

Which Auto Insurance is Cheapest in Andalusia, Alabama?

Effectively comparing auto insurance prices can take hours if you don't know the easiest way. You could spend your day discussing policy coverages with local insurance agents in Andalusia, or you can utilize the web to get pricing more quickly.

All the larger companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each company returns a rated price. This eliminates the need for quotation requests to each individual auto insurance company.

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

One minor caviat to comparing rates this way is you don't know exactly which companies you want pricing from. So if you want to choose individual companies to receive pricing from, we put together a list of low cost auto insurance companies in Alabama. Click to view list.

Which method you use is up to you, but ensure you are comparing the exact same quote information on every quote you get. If you compare mixed coverages it will be next to impossible to determine which rate is truly the best in Andalusia.

Learn How to Buy Auto Insurance Cheaper

It's important that you understand some of the elements that help determine auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

  • Don't skimp on liability - Liability coverage is the protection if a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Marriage brings a discount - Having a wife or husband can get you a discount when buying auto insurance. Having a spouse usually means you are more responsible and it's statistically proven that married drivers get in fewer accidents.
  • High crash test scores lower rates - Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and lower rates for you.
  • Special features that cut premiums - Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • Women pay lower rates - Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. Men and women cause accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Small claims can cost you - Auto insurance companies in Alabama provide better rates to insureds who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Don't pay full price with these discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you quote, but less common discounts must be asked for prior to getting the savings. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
  • Paperless Signup - Some insurance companies give back up to $50 for buying your policy on their website.
  • Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Senior Discount - Older drivers may be able to get a discount up to 10%.
  • Government Employees - Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Air Bag Discount - Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will cut your premiums.

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

Additional information is located on the website for the Alabama Department of Insurance through this link. Alabama drivers can find out which companies have the most complaints, get help finding coverage, find disaster information, and view a list of available companies.

A tidy conclusion

The cheapest auto insurance can be sourced on the web in addition to many Andalusia insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, you should never reduce needed coverages to save money. In too many instances, drivers have reduced liability coverage limits only to discover later that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.