8 Tricks Guaranteed to Save on Car Insurance Costs in Atmore

Scraping up a payment for overpriced car insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to help make ends meet.

Big-name insurance companies like GEICO and Progressive persitently shower you with ads and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you should be able to save some money using these methods. Buying car insurance in Atmore is easy if you know what you're doing. But Alabama car owners do need to know the way insurance companies market on the web and take advantage of how the system works.

Save big with these eight discounts

Companies don't always publicize every discount in a way that's easy to find, so here is a list some of the more common as well as the least known ways to save on car insurance.

Government Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
55 and Retired - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Seat Belts Save more than Lives - Buckling up and requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
Multiple Policy Discount - If you insure your home and vehicles with the same company you could get a discount of up to 20% off your total premium.
No Claims - Drivers who don't have accidents can earn big discounts when compared to accident-prone drivers.
Low Mileage Discounts - Keeping the miles down can qualify you for better rates on cars that stay parked.
Defensive Driving Course - Completing a driver safety course could cut 5% off your bill if your company offers it.
Pay Upfront and Save - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.

Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, companies don't profit that way.

To choose insurance companies with the best car insurance discounts in Atmore, click this link.

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all make the same claim that you'll save big if you move your policy. How can each company make the same claim?

All companies have a preferred profile for the right customer that makes them money. An example of a driver they prefer could be a mature driver, insures multiple vehicles, and has great credit. Any new insured who matches those parameters receives the best rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will be quoted higher rates which leads to business going elsewhere. Company advertisements say "customers that switch" not "people who quote" save that kind of money. This is how companies can advertise the savings. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

But I don't know anything about car insurance

When buying proper insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

Why am I required to get a high-risk car insurance policy?
Should I put collision coverage on all my vehicles?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered if I drive in a foreign country?
Am I covered when driving in Canada or Mexico?
Are there companies who specialize in insuring high-risk drivers?
Should I rate my vehicle as pleasure use or commute?
Should I buy additional glass protection?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

More detailed Alabama car insurance information is available at the Alabama Department of Insurance website. Consumers can read industry bulletins, learn about insurance regulations, find a variety of consumer forms, and download brochures.

Shop smart and save

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Discount car insurance is definitely available from both online companies in addition to many Atmore insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not provide online price quotes and these smaller companies work with independent agents.