Free Guide to Saving Money on Carrollton Car Insurance Online

No one likes paying for car insurance, especially when the cost is too high.

Numerous battle for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

It's important to shop coverage around periodically because rates are constantly changing. Just because you found the best rates a year ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about car insurance on the internet, so I'm going to show you some great ways to save money.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Buying car insurance in Carrollton is quite easy. Nevertheless, Alabama car owners do need to know the way insurance companies sell online.

Save big with these discounts

Companies don't always publicize all their discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • New Car Discount - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Sign Online - Certain companies will give a small break simply for signing on their website.
  • Driver Safety - Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Drive Less and Save - Fewer annual miles could qualify for discounted rates on garaged vehicles.
  • Memberships - Belonging to certain professional organizations is a good way to get lower rates on car insurance.

It's important to understand that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.

To see a list of companies who offer car insurance discounts in Carrollton, click here to view.

Carrollton car insurance comparison

Carrollton Car Insurance Comparisons

There are several ways to compare quotes from different Carrollton insurance companies. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  • The best way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing repetitive form submissions for every car insurance company. Just one form gets you price quotes from multiple companies.
  • Another way to get quotes online requires visiting each company's website and complete a new quote form. For example, we'll assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Carrollton, click here.

It's your choice how you get your quotes, but be sure to compare the exact same quote information on every quote. If you have mixed coverages it will be impossible to make a fair comparison in Carrollton. Quoting even small variations in coverage limits may result in large price differences. Keep in mind that comparing more company's prices will increase your chances of finding the best offered rates.

Tips to Get Lower Carrollton Rates

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Mature drivers pay less - Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Young drivers are known to get distracted easily behind the wheel therefore car insurance rates are much higher.
  • How's your driving record? - Drivers who don't get tickets have lower premiums compared to drivers with tickets. Even one citation can bump up the cost twenty percent or more. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to keep their license.
  • Pay less after the wedding - Getting married can get you a discount on your policy. It translates into being more mature and responsible and it's proven that married couples file fewer claims.
  • Extra add-on coverages are wasting money - There are a ton of additional coverages that you can buy on your policy. Coverages like roadside assistance, towing coverage and additional equipment coverage may be costing you every month. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.

But I don't know anything about car insurance

When choosing coverage for your vehicles, there is no best way to insure your cars. Everyone's needs are different so your insurance should reflect that These are some specific questions may help highlight if your situation would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Do I need to file an SR-22 for a DUI in Alabama?
  • Does my personal policy cover me when driving my company car?
  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?

If you're not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance ads bend the truth

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads on TV and radio. They all seem to make an identical promise of big savings after switching your coverage to them. How do they all make the same claim?

All companies have a certain "appetite" for the type of customer that is profitable for them. A good example of a desirable insured could be a mature driver, a clean driving record, and has excellent credit. A customer who meets those qualifications will get very good rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will have to pay higher rates and ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that much money. That is how insurance companies can confidently make those claims. Because of the profiling, drivers must compare many company's rates. Because you never know which company will have the lowest rates.

The best insurance company isn't always the cheapest

While you're price shopping online, you should never reduce coverage to reduce premium. There are many occasions where someone dropped full coverage and found out when filing a claim they didn't purchase enough coverage. Your aim should be to find the BEST coverage at a price you can afford.

We just showed you many tips how you can compare car insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with a small local company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like .

Low-cost car insurance can be sourced from both online companies as well as from independent agents in Carrollton, and you need to price shop both to get a complete price analysis. Some companies don't offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Alabama car insurance

Additional Alabama consumer information

More tips and info about car insurance can be read at the Alabama Department of Insurance website. Consumers can read enforcement actions against agents and companies, file complaints about a company, get help finding coverage, and discover disciplinary actions.