Top 9 Ways You Can Buy Car Insurance for Less in Bridgeport

Overpriced car insurance can take a big chunk out of your bank account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Numerous battle for your insurance dollar, and because of this it can be hard to compare and uncover the absolute lowest rate

It's important to take a look at other company's rates quite often since rates are constantly changing. Just because you found the best deal six months ago you will most likely find a better rate today. Starting right now, ignore everything you know about car insurance because we're going to show you the proper way to reduce your cost while increasing coverage.

These nine discounts can lower your rates

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. A few discounts will automatically apply when you complete an application, but some must be requested specifically before they will apply. If they aren't giving you every credit you deserve, you are throwing money away.

Sign Online - Some insurance companies may give you up to $50 just for signing your application on their website.
College Student - Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
Driver Safety - Taking a defensive driving course could cut 5% off your bill if you qualify.
Save with a New Car - Insuring a new car is cheaper compared to insuring an older model.
Student Driver Training - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
Passive Restraints and Air Bags - Factory air bags or automatic seat belts can get savings up to 30%.
Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Early Switch Discount - Select companies give a discount for buying a policy prior to your current policy expiring. It's a savings of about 10%.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, it just doesn't work that way. But any discount will cut the cost of coverage.

Different people need different coverages

When it comes to buying proper insurance coverage for your personal vehicles, there is no "best" method to buy coverage. Everyone's situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you might need professional guidance.

Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Bridgeport?
Does my personal policy cover me when driving my company car?
Should I rate my vehicle as pleasure use or commute?
When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Is my cargo covered for damage or theft?

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.

Are you falling for claims of savings?

Consumers in Alabama get pounded daily by advertisements for car insurance savings by State Farm, GEICO and Progressive. They all seem to make an identical promise that you can save after switching to their company.

How do they all claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured might be between 30 and 50, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Consumers who are not a match for the "perfect" profile will have to pay higher rates and ends up with the customer not buying. The ads say "drivers who switch" not "everybody who quotes" save that much. This is how insurance companies can state the savings.

Because of the profiling, you should get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

More information is available on the website for the Alabama Department of Insurance. Click here for link. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, discover disciplinary actions, and file complaints about an insurance agent or broker.

And the best car insurance company is...

Affordable car insurance can be sourced both online and also from your neighborhood Bridgeport agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to find the BEST coverage for the lowest price.