Free Guide to Paying Less for Clanton Auto Insurance Online

No one in their right mind likes paying for auto insurance, in particular when their premiums are through the roof.

Numerous battle for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate

It's important to compare prices occasionally because insurance rates are constantly changing. If you had the lowest rates a few years ago you will most likely find a better rate today. So forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to find lower rates on auto insurance.

Policy discounts you shouldn't miss

Companies don't always advertise every available discount in an easy-to-find place, so we break down both well-publicized as well as the least known ways to save on auto insurance.

Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class in high school.
Low Mileage - Keeping the miles down can earn better rates on cars that stay parked.
E-sign - A few companies will discount your bill up to fifty bucks for buying your policy on their website.
No Accidents - Good drivers with no accidents can save substantially compared to drivers who are more careless.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

Insurance agents can help

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Everyone's situation is a little different so this has to be addressed. For example, these 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?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?
Does my policy cover my teen driver if they drive my company car?

If it's difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Save $429 a year? Really?

Companies like Allstate and Progressive regularly use television and radio advertisements. All the ads make the same claim about savings if you move to their company. How do they all make almost identical claims?

Insurance companies have a certain "appetite" for the driver that earns them a profit. For example, a preferred risk could possibly be over the age of 40, owns a home, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads state "customers that switch" but not "drivers who get quotes" save that much. That is how companies can truthfully advertise the way they do. That is why you should get a wide range of price quotes. It is impossible to predict which company will provide you with the cheapest rates.

For more Alabama car insurance information

Even more information can be found at the Alabama Department of Insurance website. Alabama consumers can find out industry alerts, read consumer alerts, view a list of available companies, and find disaster information.

Final considerations

When shopping online for auto insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Cheaper auto insurance is possible online and also from your neighborhood Clanton agents, and you need to comparison shop both to have the best selection. Some auto insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.