How to Know You're Spending Too Much for Auto Insurance in East Brewton

Having to pay for overpriced auto insurance can drain your savings account and force you to prioritize other expenses. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Numerous battle to insure your vehicles, and because of this it can be hard to compare and uncover the absolute lowest price

It's important to compare prices quite often since insurance rates are constantly changing. If you had the best price on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I'm going to let you in on the secrets to the fastest and easiest way to find great coverage at a great price.

If you are insured now or need new coverage, you can follow these tips to find better prices while maximizing coverage. Finding the best rates in East Brewton is not that difficult. Alabama consumers only need to know the best way to shop for auto insurance online.

East Brewton auto insurance quote

How to Buy East Brewton Auto Insurance Online

Most companies such as Allstate and Progressive provide coverage prices directly from their websites. Getting online quotes is quite simple as you simply enter your coverage information as detailed in the form. When the form is submitted, their system will obtain your credit score and driving record and returns a price quote based on many factors. Quoting online helps simplify price comparisons, but the process of having to visit each company's website and repetitively enter the same data into a form can get tiresome after awhile. But it's very important to get many rate quotes if you want to find better auto insurance pricing.

Quote rates the easy way

A quicker way to locate the lowest prices requires only one form to return rates from multiple companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable. After sending your information, it gets priced and you are able to buy any of the quotes returned.

If the quotes result in lower rates, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To quickly find out what other companies charge, click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter deductibles and limits as close as possible to your current policy. This ensures you will get comparison quotes for similar insurance coverage.

These discounts can lower your rates

Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be inquired about prior to receiving the credit. If they aren't giving you every credit you deserve, you're paying more than you need to.

  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Senior Discount - Mature drivers can possibly qualify for better auto insurance rates.
  • No Accidents - Drivers who don't have accidents can save substantially compared to bad drivers.
  • Memberships - Affiliation with certain professional organizations could qualify you for a break on your policy.
  • Pay Upfront and Save - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Accident Waiver - A few companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Air Bag Discount - Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you could get a free auto insurance policy, you won't be that lucky. Any amount of discount will cut the cost of coverage.

To see a list of providers with the best auto insurance discounts in East Brewton, follow this link.

Different people need different coverages

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique and a cookie cutter policy won't apply. For instance, these questions may help you determine whether you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in Alabama?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I getting all the discounts available?
  • What can I do if my company won't pay a claim?
  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these 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. It only takes a few minutes and can provide invaluable advice.

Additional information can be found on the website for the Alabama Department of Insurance through this link. Alabama drivers can read consumer alerts, learn about insurance regulations, read industry bulletins, and find out which companies have the most complaints.