Easy Tips to Pay Less on Auburn Car Insurance

Saving money on Auburn car insurance is a challenge for consumers not familiar with shopping for insurance online. Consumers have so many options available that it can quickly become a lot of work to compare prices in Auburn.

It's important to compare prices before your policy renews because rates are constantly changing. If you had the best deal two years ago there is a good chance you can find better rates now. Starting now, forget all the misinformation about car insurance because you're going to learn the proper way to find lower rates on car insurance.

If you are insured now or need new coverage, you will benefit by learning to find better prices and still get good coverage. This article will let you in on how car insurance quotes work and some tips to save money. Alabama vehicle owners just need to know the most efficient way to get comparison rates online.

Good Decisions Result in Lower Rates

Consumers need to have an understanding of some of the elements that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with lower car insurance prices.

The list below includes some of the factors car insurance companies consider when setting rates.

More miles equals more premium - The more you drive every year the more you will pay for car insurance. Most insurance companies rate vehicles based on how the vehicle is used. Vehicles left parked in the garage can get a lower rate than those used for commuting. Make sure your car insurance policy is rated on the correct driver usage, because it can save money.
Rates may be lower depending on your job - Jobs such as doctors, architects and dentists tend to have the highest average rates attributed to stressful work requirements and lengthy work days. Other professions such as farmers, historians and the unemployed receive lower rates.
Frequent car insurance claims increase rates - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in Alabama provide cheaper rates to people who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
How's your driving record? - Your driving citation history has a huge affect on how much you pay. Careful drivers receive lower rates than people who have multiple driving citations. Just one ticket can boost insurance rates by twenty percent. Drivers who have severe citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
Teen drivers pay high rates - Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Young drivers tend to be careless and easily distracted in a vehicle and because of this, their car insurance rates are much higher.
Liability coverage is peace of mind - The liability section of your policy will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
Save money with special equipment - Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Sex matters - The statistics show women are more cautious behind the wheel. However, don't assume that men are worse drivers. Women and men tend to get into accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.

Compare Auburn Car Insurance Costs

Reducing your insurance rates doesn't have to be difficult. You just have to spend a little time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This method saves time by eliminating multiple quote forms for every car insurance company. In just a few minutes this one form will return price quotes from multiple low-cost companies.It's the quickest way to get rates.
Another way to get quotes online consists of visiting the website for each individual company to complete a price quote. For sake of this example, let's assume you want rates from , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, which is why most consumers use the first method.

To view a list of companies in Auburn, click here.
The least efficient way of comparing rate quotes is to waste gas driving to different Auburn agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the personal advice of a local Auburn agent. You can, however, find lower rates online and still use a local agent and we'll talk about that later.

Which method you use is up to you, but ensure you're using exactly the same deductibles and coverage limits with each company. If each company quotes different values for each quote it will be next to impossible to make an equal comparison in Auburn.

Save big with these discounts

Auto insurance companies don't always publicize all their discounts in a way that's easy to find, so here is a list some of the more common and the more hidden car insurance savings. If you aren't receiving every discount available, you are paying more than you should be.

New Car Discount - Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
No Accidents - Claim-free drivers can earn big discounts as compared to accident-prone drivers.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
Good Students Pay Less - This discount can get you a discount of up to 25%. The discount lasts up to age 25.
Sign Online - Certain companies will give a small break for buying a policy and signing up digitally online.
Organization Discounts - Belonging to a civic or occupational organization could qualify you for a break on car insurance.
Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
College Student - Children who live away from home without a vehicle on campus may qualify for this discount.

Consumers should know that most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

To choose companies with the best car insurance discounts in Auburn, follow this link.

Car insurance ads bend the truth

Consumers can't ignore all the ads for the lowest price auto insurance by GEICO, State Farm and Progressive. They all seem to say the same thing that you'll save big if you move to their company.

How can each company make the same claim?

All companies can use profiling for the driver that makes them money. An example of a desirable insured could be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. A customer who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will have to pay more money which usually ends up with business going elsewhere. The ad wording is "people who switch" not "people who quote" save that much. That's why companies can state the savings. Because of the profiling, you need to quote coverage with many companies. Because you never know the company that will give you the biggest savings.

More detailed Alabama car insurance information is available at the Alabama Department of Insurance website. Consumers can file complaints about an insurance agent or broker, read industry bulletins, and download brochures.

A tidy conclusion

When buying insurance coverage, it's a bad idea to reduce coverage to reduce premium. In many instances, an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at an affordable rate.

Consumers who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, extreme rates for teen drivers or even poor customer service. Whatever your reason, finding the right car insurance provider is easier than you think.

We just showed you a lot of information how to compare car insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising.