Free Guide to Spending Less for Blountsville Auto Insurance Online

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are many people just like you.

Drivers have multiple to buy insurance from, and although it's a good thing to have a selection, it can be more challenging to compare rates.

It's important to compare prices every six months because prices are constantly changing. Despite the fact that you may have had the best rates a year ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance on the internet, so I'm going to show you some great ways to save money.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise all their discounts very clearly, so the following is a list of both well-publicized as well as the least known auto insurance savings.

Save over 55 - Mature drivers may be able to get better auto insurance rates.
Multiple Vehicles - Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
College Student - Children living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Sign Online - A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
Homeowners Discount - Owning a house in Blountsville may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
No Accidents - Drivers with accident-free driving histories pay less as compared to bad drivers.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

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

How to Compare Auto Insurance Quotes in Blountsville, Alabama

There are multiple methods to compare auto insurance prices and some are easier and takes less work. You can waste a lot of time talking about coverages with agents in Blountsville, or you could save time and use the internet to achieve your goal.

Many insurance companies enroll in a system that enables customers to send in one quote, and each company then gives them pricing based on that data. This eliminates the need for quote requests to each individual auto insurance company.

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

The one disadvantage to comparing rates this way is that you can't choose which carriers to receive prices from. If you prefer to choose from a list of companies for rate comparison, we put together a list of auto insurance companies in Alabama. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing identical coverage information on every quote you get. If you have unequal deductibles or liability limits it's not possible to determine which rate is truly the best in Blountsville. Just a small difference in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes helps locate the best offered rates.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Knowing what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

The following are some of the items auto insurance companies consider when setting rates.

Mature drivers pay less - Teen drivers in Alabama are known to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield shattered by a rock, damage from fire, and burglary. Your deductibles are how much you are required to spend if you file a covered claim. The more expense you are required to pay out-of-pocket, the less your auto insurance will be.
Your spouse saves you money - Getting married can get you a discount when buying auto insurance. It means you're more responsible and it's proven that being married results in fewer claims.
Claim-free discounts can add up - Car insurance companies in Alabama provide lower rates to insureds who are claim-free. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is designed for the large, substantial claims.
Safer cars are cheaper to insure - Vehicles with high crash test scores are cheaper to insure. These vehicles reduce injuries and lower injury rates means lower claim amounts and thus lower rates.
Liability coverage is cheap - Liability coverage provides coverage if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

The auto insurance bait and switch

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to say the same thing about savings after switching to their company. How does each company make almost identical claims?

Insurance companies are able to cherry pick for the driver that is profitable for them. A good example of a desirable insured could possibly be over the age of 40, has no driving citations, and has excellent credit. A customer getting a price quote who fits that profile will get very good rates and therefore will save when switching.

Potential customers who don't measure up to these standards will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. The ads say "customers that switch" not "everyone that quotes" save that much. That's the way companies can truthfully make those claims. Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which auto insurance company will have the lowest rates.

Affordable insurance is out there

While you're price shopping online, never reduce coverage to reduce premium. There are many occasions where someone sacrificed collision coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford.

Cheaper auto insurance can be bought online and also from your neighborhood Blountsville agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Learn more about Alabama auto insurance

Even more information can be read at the Alabama Department of Insurance website. Alabama consumers can read enforcement actions against agents and companies, report car insurance fraud, get help finding coverage, and download brochures.