Compare Dothan Car Insurance Prices With These Methods

Are you overwhelmed by the crazy number of car insurance options in Dothan? Many other consumers are too. Drivers have so many options available that it can turn into a big hassle to locate the lowest price.

It's important to compare prices at least once a year due to the fact that insurance rates are constantly changing. Just because you found the best price a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you're about to learn how to use online quotes to lower your rates without sacrificing coverage.

How much can you save with discounts?

Companies offering auto insurance do not advertise all their discounts very well, so we took the time to find both the well known as well as the least known savings tricks you should be using.

Sign Online - Some insurance companies may give you up to $50 just for signing your application online.
Drive Less and Save - Fewer annual miles can earn discounted rates on garaged vehicles.
No Charge for an Accident - Some insurance companies will forgive one accident before raising your premiums as long as you don't have any claims for a certain period of time.
Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
College Student - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

It's important to note that most discount credits are not given the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you're out of luck.

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

Compare the Market for Car Insurance in Dothan

Effectively comparing car insurance prices can take time and effort if you aren't aware of the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in Dothan, or you could save time and use online quotes to get the quickest rates.

Many insurance companies enroll in a system that allows shoppers to submit one quote, and each company then gives them pricing for coverage. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify which carriers you want pricing from. So if you want to select individual companies to compare, we have assembled a list of car insurance companies in Alabama. Click to view list.

It's up to you which method you use, but compare apples-to-apples quote information with every price quote. If you use mixed coverages it's not possible to find the best deal in Dothan. Quoting even small variations in limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes provides better odds of finding the best offered rates.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with better car insurance rates.

Pay less if you're married - Having a spouse can get you a discount on your policy. It means you're more mature and it's proven that being married results in fewer claims.
Add-on coverages can add up - There are a ton of extra coverages that you can buy when buying car insurance. Things like vanishing deductibles, towing coverage and term life insurance may be costing you every month. These coverages may sound good when you first buy your policy, but if they're wasting money remove them from your policy.
Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Men and women have accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive car insurance rates.
Consolidate policies to earn discounts - Many insurers will give a discount to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to ensure the best deal. You may still find a better deal by splitting coverages up.
Mature drivers pay less - Youthful drivers in Alabama are known to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
Equipment add-ons that lower car insurance rates - Choosing a vehicle with an alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

Save 15 percent in 15 minutes? Is it for real?

Car insurance companies such as State Farm, GEICO and Progressive continually stream television and radio advertisements. They all seem to make an identical promise that you can save after switching to their company. But how can every company claim to save you money?

Different companies are able to cherry pick for the driver that is profitable for them. For example, a desirable insured might be a mature driver, has no tickets, and drives less than 7,500 miles a year. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will have to pay a more expensive rate and ends up with the customer not buying. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can advertise the way they do. Because of the profiling, drivers must get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest rates.

Do the work, save more money

Lower-priced car insurance can be sourced both online and also from your neighborhood Dothan agents, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When shopping online for car insurance, do not reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at a price you can afford.

People change insurance companies for a number of reasons such as an unsatisfactory settlement offer, delays in responding to claim requests, denial of a claim or policy cancellation. It doesn't matter what your reason, choosing a new insurance company is actually quite simple.

Additional detailed information can be found at the Alabama Department of Insurance website. Visitors are able to get help finding coverage, discover disciplinary actions, and learn about insurance regulations.

Additional helpful sites include this page for Alabama car insurance and see this list of insurance agents in Dothan.