Best Way to Find the Cheapest Brundidge Auto Insurance

Shopping online for Brundidge auto insurance may seem to be difficult if you're new to online price comparisons. But don't be discouraged because using the internet to shop for auto insurance is actually quite easy.

It's important to do rate comparisons occasionally since insurance rates are constantly changing. Just because you had the lowest price last year the chances are good that you can find a lower rate today. There is a lot of bad advice regarding auto insurance on the internet, so I'm going to show you some great ways to save money.

How much can you save with discounts?

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few must be asked for before being credited.

Bundle and Save - When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Passive Restraints - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
Drivers Ed for Students - Have your child complete a driver education course in school.
Military Rewards - Having a deployed family member could mean lower rates.
Federal Employees - Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of companies offering auto insurance discounts in Brundidge, follow this link.

Brundidge Auto Insurance Quote Comparison

Comparing auto insurance rates can take hours if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Brundidge, or you could use the web to get rates in a matter of minutes.

Many insurance companies take part in a program that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click to open in new window.

The single downside to getting quotes like this is buyers cannot specifically choose which carriers you want to price. If you would rather choose specific insurance companies to request quotes from, we put together a list of companies who write auto insurance in Alabama. Click here for list of insurance companies in Alabama.

Which method you use is up to you, but make absolute certain that you use exactly the same coverages and limits for each comparison quote. If you compare different deductibles then you won't be able to determine the lowest rate in Brundidge. Just a small difference in coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes will increase your chances of finding a lower rate.

Why some people pay less for insurance in Brundidge

An important part of buying insurance is that you know some of the elements that go into determining auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Where you live can impact rates - Living in less populated areas can be a good thing when buying auto insurance. Fewer people means fewer accidents as well as less vandalism and auto theft. Urban drivers tend to have much more traffic to deal with and longer commute times. Longer commute distances means higher likelihood of an accident.
Your credit rating is important - Credit score is a big factor in determining your rates. If your credit is lower than you'd like, you could pay less to insure your by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
More claims means more premium - Car insurance companies in Alabama provide cheaper rates to insureds who file claims infrequently. If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Insurance coverage is intended to be relied upon for larger claims.
Multiple policies with one company can save - Most companies will give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's still a good idea to compare rates to make sure you are getting the best deal.

How much car insurance do I need?

When choosing the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions might point out if your insurance needs will benefit from professional help.

What is the difference between comprehensive and collision coverage?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Is my cargo covered for damage or theft?
Am I covered when pulling a rental trailer?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?

If you don't know the answers to these questions, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to say the same thing about savings if you switch to them. How can each company say the same thing? It's all in the numbers.

All the different companies have a certain "appetite" for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and drives newer vehicles. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will have to pay higher prices which usually ends up with business not being written. The ads say "customers who switch" but not "drivers who get quotes" save money. That is how companies can truthfully claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

Shop smart and save

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. In many instances, an insured cut collision coverage and learned later that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best price.

In this article, we covered a lot of information how to compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies.

Consumers switch companies for a variety of reasons including policy non-renewal, policy cancellation, poor customer service or extreme rates for teen drivers. It doesn't matter what your reason, finding a new auto insurance company is actually quite simple.

For more Alabama car insurance information

Additional information is located on the Alabama Department of Insurance website found here. Alabama drivers can view agent and company licensing information, find out industry alerts, and download brochures.