Lower Online Ashville Auto Insurance Prices With These Techniques

If online auto insurance comparisons are new to you, it's easy to be confused by the hoards of auto insurance companies competing for business in Ashville.

It's important to compare prices occasionally because insurance rates are constantly changing. Despite the fact that you may have had the best rates two years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance online, so we're going to give you some great ways to save money.

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Locating the lowest cost protection in Ashville can be fairly easy. Nevertheless, Alabama drivers do need to know how the larger insurance companies compete online.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise every available discount in a way that's easy to find, so the following is a list of both well-publicized as well as the least known discounts you could be receiving.

Anti-lock Brakes - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
Save over 55 - Mature drivers may be able to get a small decrease in premiums.
Low Mileage - Fewer annual miles could qualify for a substantially lower rate.
Memberships - Participating in a civic or occupational organization may earn a discount on your policy.
Multiple Vehicles - Buying insurance for multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
Resident Student - Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
E-sign - Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
Driver Safety - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.

Consumers should know that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies don't profit that way.

To see a list of providers who offer auto insurance discounts in Ashville, click here.

Automobile Insurance Quotes in Ashville, AL

Effectively comparing auto insurance prices can be exhausting if you aren't aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in Ashville, or you could save time and use the web to get rates in a matter of minutes.

Many insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company can give them a price. This prevents consumers from doing quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to using this type of form is buyers cannot specifically choose which carriers you want to price. If you would rather choose individual companies to request quotes from, we have a listing of auto insurance companies in Alabama. Click to view list.

However you get your quotes, make absolute certain that you use exactly the same coverage information with each company. If you compare unequal deductibles or liability limits it will be impossible to make an equal comparison in Ashville. Slightly different coverage limits can result in a big premium difference. And when quoting auto insurance, remember that comparing a large number of companies will increase your chances of finding the best offered rates.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the factors that help determine the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get better auto insurance rates.

Do you know you're credit rating? - Your credit history is a important factor in determining your rates. If your credit history is not that good, you could pay less to insure your by improving your credit score. People with high credit scores tend to be more responsible than drivers with lower credit scores.
Multi-policy discounts can save money - Many insurance companies give discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. If you currently are using one company, you still need to compare rates to verify if the discount is saving money.
Men pay higher rates - Statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Men and women have accidents at a similar rate, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Save money with special equipment - Owning a car with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent auto theft.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there really is not a one size fits all plan. Everyone's needs are different.

For example, these questions might point out whether or not you will benefit from professional help.

Can I get a multi-policy discount for packaging my home and auto coverage?
Do I need PIP (personal injury protection) coverage in Alabama?
Should I buy additional glass protection?
Is rental equipment covered for theft or damage?
Is my nanny covered when driving my vehicle?
Are rental cars covered under my policy?
Can I afford to buy a different vehicle if my vehicle is totaled?

If you can't answer these questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form.

Is there truth in advertising?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads have a common claim of big savings after switching your coverage to them. How can each company make almost identical claims?

Different companies have a certain "appetite" for the type of customer that is profitable for them. A good example of a preferred risk could possibly be between the ages of 40 and 55, owns a home, and chooses high deductibles. A driver that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't measure up to the requirements will be charged more money and this can result in the driver buying from a lower-cost company. The ads say "customers that switch" but not "drivers who get quotes" save that much money. That is how insurance companies can confidently state the savings. That is why drivers must get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings.

The best insurance company isn't always the cheapest

When buying insurance coverage, it's not a good idea to reduce coverage to reduce premium. Too many times, an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Drivers change insurance companies for a number of reasons such as policy cancellation, denial of a claim, delays in responding to claim requests or questionable increases in premium. Regardless of your reason, choosing a new insurance company is actually quite simple.

Cost effective auto insurance can be bought online as well as from independent agents in Ashville, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More tips and info about auto insurance can be read at the Alabama Department of Insurance website. Alabama consumers can find out industry alerts, read consumer alerts, and learn about insurance regulations.