Car Insurance in Centreville, AL - 8 Tricks to Save Money

Expensive car insurance can drain your bank account and make it impossible to make ends meet. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket.

Insurance companies such as GEICO and Progressive persitently shower you with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

Where Can I Get Cheap Centreville Car Insurance?

Most major insurance companies allow you to get prices for coverage on their websites. Getting quotes is fairly straightforward as you simply type in your required coverages as detailed in the form. Behind the scenes, their rating system will obtain your credit score and driving record and gives you a price quote based on many factors. Online quotes makes comparing rates easy, but the process of having to visit each company's website and repetitively enter the same data into a form is repetitive and time-consuming. But it's very important to compare as many rates as possible in order to find better car insurance pricing.

A less time-consuming method to compare car insurance pricing is to use a quote form to obtain quotes from multiple companies. The form is fast, reduces the work, and makes quoting online much easier to do. After sending the form, it is rated and you can select your choice of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. The entire process takes less than 15 minutes and could lower your rates considerably.

To find out what other companies charge, click here to open in new window and submit the form. To compare your current rates, we recommend you type in the coverage information exactly as shown on your declarations page. This way, you will receive comparison quotes based on similar coverages.

These eight discounts can lower your rates

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.

Government Employees - Simply working for the federal government could cut as much as 10% off with a few car insurance companies.
Auto/Life Discount - Some companies give better rates if you take out life insurance.
New Car Discount - Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
Accident Free - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
Driver Safety - Successfully completing a driver safety course could cut 5% off your bill depending on where you live.
Air Bag Discount - Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.

It's important to note that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, you're out of luck. But any discount will reduce the cost of coverage.

For a list of insurance companies who offer car insurance discounts in Centreville, click this link.

Different people need different coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is not a "perfect" insurance plan. Each situation is unique so this has to be addressed. For instance, these questions can help discover whether you might need an agent's assistance.

Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Are there companies who specialize in insuring high-risk drivers?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

More information can be found on the website for the Alabama Department of Insurance through this link. Consumers can download brochures, view agent and company licensing information, file complaints about an insurance agent or broker, and find out industry alerts.

Shop smart and save

As you shop your coverage around, it's a bad idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

You just learned some good ideas how to lower your car insurance rates. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising. Smaller companies often have lower prices on specific markets than the large multi-state companies such as .