Free Guide to Saving Money on Ashland Auto Insurance Online

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, you're not the only one.

Companies like GEICO and Progressive all claim big savings with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

Shown below are a partial list of the pieces used by your company to calculate prices.

Your stress level may be raising your rates - Careers like judges, business owners and dentists have the highest average rates due to high stress and lengthy work days. Other professions such as actors, historians and retirees get better rates.
High crash test scores lower rates - Cars with high safety ratings can get you lower premiums. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and more competitive rates for policyholders.
Save money with special equipment - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart car theft.
Adjust deductibles and save - Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. The more you have to pay, the less your auto insurance will be.
Extra add-on coverages are wasting money - There are quite a few extra coverages that can waste your money if you aren't careful. Insurance for roadside assistance, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good initially, but now you might not need them so eliminate the coverages to reduce your premium.
Do you know you're credit rating? - Having a bad credit score is a big factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible than drivers who have lower ratings. So if your credit is low, you could save money insuring your by improving your credit score.
Pay less if you're married - Having a wife or husband helps lower the price on your policy. Having a significant other translates into being more mature and statistics show being married results in fewer claims.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied at the time of quoting, but a few must be manually applied before you will receive the discount.

Claim Free - Drivers with accident-free driving histories pay much less when compared to accident-prone drivers.
Low Mileage Discounts - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Lower Rates for Military - Being on active duty in the military could be rewarded with lower premiums.
Pay Now and Pay Less - If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
Homeowners Discount - Simply owning a home can help you save on auto insurance because maintaining a house shows financial diligence.

Keep in mind that most discount credits are not given the the whole policy. Most cut specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, it just doesn't work that way. But any discount will reduce your overall premium however.

To choose insurance companies with discount auto insurance rates in Ashland, click here to view.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO consistently run ads on TV and radio. They all make an identical promise that you can save if you change your coverage to them. How can each company say the same thing? It's all in the numbers.

All companies are able to cherry pick for the type of customer that makes them money. For instance, a driver they prefer might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A propective insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Potential insureds who don't qualify for the requirements will be quoted more money and ends up with business not being written. The ads say "customers who switch" not "people who quote" save that much money. That's the way insurance companies can advertise the way they do.

This emphasizes why you should get quotes from several different companies. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

More information is located on the website for the Alabama Department of Insurance found here. Alabama drivers can read industry bulletins, find disaster information, view a list of available companies, and report car insurance fraud.

Final considerations

Affordable auto insurance is attainable on the web as well as from independent agents in Ashland, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer online price quotes and these small, regional companies work with independent agents.

In this article, we covered some good ideas how you can save on auto insurance. It's most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from some of the smallest insurance companies. Some small companies can often insure niche markets at a lower cost than their larger competitors like .