Top 8 Ways to Pay Less on Car Insurance in Calera

Nobody I know looks forward to buying car insurance, particularly when the cost is too high. You have so many to buy insurance from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around occasionally since rates are constantly changing. Even if you think you had the best rates six months ago you will most likely find a better rate today. There is too much inaccurate information about car insurance online, so we're going to give you some great ways to put money back in your pocket.

This article will introduce you to the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you will be able to reduce your rates substantially using these methods. Alabama drivers only need an understanding of how to get comparison quotes on the web.

Take advantage of discounts

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Most are applied at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount. If you're not getting every credit you qualify for, you are throwing money away.

Anti-lock Brakes - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Safety Course Discount - Completing a defensive driving course can save you 5% or more if you qualify.
Resident Student - Youth drivers living away from home attending college and don't have a car may qualify for this discount.
Life Insurance Discount - Larger companies have a discount if you purchase a life insurance policy as well.
Low Mileage - Low mileage vehicles could qualify for a substantially lower rate.
Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.

Consumers should know that some of the credits will not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

How to know if you need help

When it comes to buying coverage for your vehicles, there isn't really a "best" method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions might point out whether your personal situation could use an agent's help.

Can I get a multi-policy discount for packaging my home and auto coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I rate my vehicle as pleasure use or commute?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Should I buy additional glass protection?

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don't have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It's fast, doesn't cost anything and can help protect your family.

Are car insurance companies telling the truth?

Consumers in Alabama get pounded daily by advertisements for cheaper car insurance from the likes of Allstate and Progressive. All the ads have a common claim of big savings if you change your coverage to them.

How does each company claim to save you money?

All companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a preferred risk might be over the age of 40, owns a home, and has a high credit rating. Any new insured that hits that "sweet spot" gets the lowest rates and most likely will save when switching.

Potential insureds who don't qualify for these standards will be charged more money and this can result in the customer not buying. The ads say "customers that switch" not "people who quote" save that much money. That is how insurance companies can confidently state the savings.

That is why you should get a wide range of price quotes. It's just too difficult to predict which company will have the lowest rates.

Additional car insurance information can be read on the website for the Alabama Department of Insurance located here. Visitors are able to find out industry alerts, read consumer alerts, discover disciplinary actions, and read enforcement actions against agents and companies.

And the best car insurance company is...

As you restructure your insurance plan, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an insured cut full coverage and found out when filing a claim that they should have had better coverage. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cost effective car insurance is attainable both online as well as from independent agents in Calera, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don't offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.