Consumer Tested Strategies to Save on Brantley Car Insurance

Having to pay for overpriced car insurance can dwindle your checking account and put the squeeze on your family's finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Multiple compete for your business, and because of this it can be hard to compare and uncover the absolute lowest price

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Brantley is quite easy. Nevertheless, Alabama consumers do need to know how companies sell online and use this information to your advantage.

Don't pay full price with these discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not know about. Some trigger automatically at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount.

Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
Discount for Life Insurance - Larger companies have lower rates if you buy auto and life insurance together.
Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break when buying car insurance.
Student in College - Children who attend school more than 100 miles from home and don't have a car may be able to be covered for less.
Own a Home - Owning a home in Brantley may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
Fewer Miles Equal More Savings - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.

Consumers should know that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way. Any qualifying discounts will cut your premiums.

Your personal situation dictates your coverage

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone's situation is unique and a cookie cutter policy won't apply. Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

Am I covered when driving on a suspended license?
What happens if I owe more than my vehicle is worth?
Are rental cars covered under my policy?
Can I afford to buy a different vehicle if my vehicle is totaled?
Why does it cost so much to insure a teen driver in Brantley?
Does my liability insurance cover pulling a trailer or camper?
Am I covered if I wreck a rental car?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

The car insurance bait and switch

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies say the same thing of big savings if you change to their company. How do they all claim to save you money? This is how they do it.

All the different companies have a preferred profile for the driver that earns them a profit. For example, a profitable customer might be between 25 and 40, has no prior claims, and has great credit. Any driver who fits that profile will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile must pay more money which usually ends up with the customer not buying. The ad wording is "drivers who switch" not "everyone that quotes" save that much. This is how insurance companies can confidently advertise the savings.

This illustrates why you should get as many quotes as possible. You cannot predict which insurance companies will give you the biggest savings.

Learn more about car insurance in Alabama

Additional car insurance information can be found on the website for the Alabama Department of Insurance. Click here for link. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, find out which companies have the most complaints, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Cost effective car insurance can be sourced both online and also from your neighborhood Brantley agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.