Buy Low-Cost Cahaba Heights Car Insurance

Expensive car insurance can empty your bank account and put a big crunch on your finances. Comparison shopping is a smart way to help make ends meet. Having so many car insurance companies to choose from, it's nearly impossible to choose the cheapest insurer.

It's important to check car insurance prices on a regular basis because rates are constantly changing. Just because you found the lowest rates two years ago you may be paying too much now. So ignore everything you know about car insurance because you're going to learn the tricks you need to know to save money, get proper coverage and the best rates.

Which Car Insurance is Cheapest in Cahaba Heights, Alabama?

There are several ways to compare car insurance quotes, but some are easier and takes less work. You could spend your day talking to insurance agencies in Cahaba Heights, or you could save time and use the web for quick rates.

All the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and each company then gives them pricing. This eliminates the need for form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to comparing rates this way is you are unable to specify which companies to receive prices from. So if you want to choose specific providers to compare rates, we put together a list of car insurance companies in Alabama. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information on every quote you get. If you are comparing mixed coverages it's not possible to determine which rate is truly the best in Cahaba Heights.

What determines how much you pay?

It's important that you understand some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with lower car insurance prices.

The following are a few of the "ingredients" companies use to determine rates.

Older drivers save more - Young drivers in Alabama are known to be more careless when driving so car insurance rates are higher. If you've ever had to add a youthful driver to your policy can break the bank. More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
Your spouse saves you money - Having a spouse can get you a discount when buying car insurance. It is viewed as being more responsible and it's proven that married drivers get in fewer accidents.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are better drivers. Women and men have accidents in similar percentages, but the males have costlier accidents. They also get cited for more serious violations such as reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
What type of vehicle do you drive? - The performance of the vehicle you own makes a big difference in determining your rates. The lowest rates are generally reserved for lower performance four cylinder passenger vehicles, but there are many factors that impact the final cost.
How's your driving record? - Good drivers have lower premiums compared to drivers with tickets. Just one moving violation can increase rates by as much as thirty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
High deductibles save money - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are how much you are required to spend in the event of a claim. The higher the amount you're willing to pay, the bigger discount you will receive.

Be sure to get all your discounts

Car insurance companies do not list all their discounts very well, so we break down some of the more common as well as the least known car insurance savings. If you don't get every credit you deserve, you're just leaving money on the table.

College Student - Children who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
Sign Online - Certain companies will give a small break for buying your policy online.
Accident Waiver - Some insurance companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
Early Switch Discount - Some insurance companies reward drivers for switching to them before your current policy expires. It's a savings of about 10%.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Good Student Discount - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, car insurance companies aren't that generous.

For a list of companies who offer car insurance discounts in Alabama, follow this link.

Even more information can be found at the Alabama Department of Insurance website. Consumers can read enforcement actions against agents and companies, get help finding coverage, learn about insurance regulations, and learn about specific coverages.

Other useful links include this Car Insurance FAQ and this page of insurance agents in Cahaba Heights.

Best coverage at the best price

When buying insurance coverage, don't be tempted to reduce needed coverages to save money. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford.

Cheap car insurance can be sourced from both online companies and with local Cahaba Heights insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

We just showed you a lot of tips how to lower your car insurance rates. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may even find the best price on car insurance is with the least-expected company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like .