Proven Techniques to Save on Anniston Auto Insurance

Paying for high-priced auto insurance can empty your checking account, especially in this economy. Comparison shopping is a smart way to cut your insurance bill. You have so many to pick from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

compare Anniston auto insurance rates

Which Auto Insurance is Cheapest in Anniston, Alabama?

Cutting your auto insurance rates can be surprisingly simple. Consumers just need to take the time comparing rates online from several insurance companies. This can be done in several different ways.

  • The recommended way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method eliminates the need for boring form submissions for every auto insurance company. One form submission will return quotes from all major companies.
  • A more difficult way to shop for auto insurance online is to take the time to go to the website of each company to complete their respective quote request forms. For example, we'll pretend you want comparison quotes from , and . To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in Anniston, click here.
  • The least efficient way to compare rates is driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance of a local agent. You can, however, get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

It doesn't matter which method you choose, just ensure you are comparing identical coverages and limits on every quote you get. If you have different deductibles you can't possibly determine which rate is truly the best in Anniston.

Policy discounts you shouldn't miss

Companies offering auto insurance do not list every discount very clearly, so we break down both well-publicized and also the lesser-known auto insurance savings. If you're not getting every credit you deserve, you're paying more than you need to.

  • Payment Discounts - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Accident Waiver - Certain companies allow you one accident before raising your premiums if your claims history is clear prior to the accident.
  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Memberships - Participating in a qualifying organization could qualify you for a break when shopping for auto insurance.
  • Military Discounts - Having a deployed family member could mean lower rates.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurance companies offering auto insurance discounts in Alabama, follow this link.

For more Alabama auto insurance information

Even more information can be found at the Alabama Department of Insurance website. Alabama consumers can view a list of available companies, learn about insurance regulations, file complaints about a company, and file complaints about an insurance agent or broker.

Additional helpful sites include this site for auto insurance rates in Alabama and this list of insurance agents in Anniston, AL.