Car Insurance in Boaz Alabama - 10 Discounts You Might be Missing

Having to pay for overpriced car insurance can dwindle your checking account and make it hard to pay other bills. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket. With so many choices, it can be diffult for consumers to choose the best company.

Buying car insurance in Boaz is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Alabama drivers only need an understanding of the most efficient way to get comparison rates online.

Low Cost Boaz Car Insurance

Getting better car insurance pricing is not a difficult process. You just have to spend a few minutes comparing rates online with multiple companies. This can be accomplished in several different ways.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method saves time by eliminating separate quotes for each company. One form compares rates instantly.

A more time consuming way to get quotes online is going to the website for every company you want to comare to complete a price quote. For example, we'll pretend you want comparison quotes from , and . You would have to visit each site and enter your information, and that's why the first method is more popular.

To view a list of companies in Boaz, click here.

Which method you use is up to you, but make darn sure you compare apples-to-apples coverage limits and deductibles for every company. If you compare different liability limits it will be very difficult to decipher which rate is best in Boaz.

car insurance in Boaz

Save big with these ten discounts

Companies offering auto insurance don't always publicize all available discounts very well, so the following is a list of both the well known and the harder-to-find car insurance savings. If you don't get every credit you deserve, you're just leaving money on the table.

  • Defensive Driver - Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Student in College - Children living away from home attending college and do not have a car may qualify for this discount.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Good Student Discount - Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Save with a New Car - Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Government Employees - Simply working for the federal government can earn a discount up to 10% depending on your company.
  • Senior Citizens - Older drivers may qualify for a discount up to 10%.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Auto/Home Discount - When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Driver's Ed - Require your teen driver to enroll in driver's education in school.

Consumers should know that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way.

For a list of insurers offering car insurance discounts in Alabama, follow this link.

But I don't know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there really is no "best" method to buy coverage. Everyone's situation is unique and a cookie cutter policy won't apply. These are some specific questions may help you determine if your situation might need an agent's assistance.

  • Should I rate my vehicle as pleasure use or commute?
  • What are Alabama no-fault laws?
  • Does my insurance cover a custom paint job?
  • Should I buy only the required Alabama minimum liability coverage?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I drive in a foreign country?

If you don't know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It's fast, free and may give you better protection.

More tips and info about car insurance can be read at the Alabama Department of Insurance website. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, find out industry alerts, and file complaints about a company.

Other useful links include this resource for Alabama car insurance prices and this link which helps you find a Boaz agent.

Boaz car insurance comparison

A tidy conclusion

Cost effective car insurance can be found both online in addition to many Boaz insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, don't be tempted to reduce needed coverages to save money. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

We just covered a lot of information how to lower your car insurance rates. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest rates come from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like .