Eclectic Car Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of car insurance options in Eclectic? Many other consumers are too. Drivers have so many options that it can turn into a big hassle to find the lowest price.

How to Compare Car Insurance Quotes in Eclectic, Alabama

There are several ways to compare car insurance prices but one way is easier and takes less work. You could spend your day talking about coverages with insurance agencies in Eclectic, or you can stay home and use the internet to achieve your goal.

All the larger companies enroll in a system that allows shoppers to send in one quote, and each company returns a rated price determined by their information. This eliminates the need for quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is you are unable to specify which companies you want pricing from. If you prefer to choose from a list of companies to compare rates, we have assembled a list of the cheapest car insurance companies in Alabama. View list of Alabama insurance companies.

Whichever way you use, ensure you are comparing identical deductibles and coverage limits on every quote you get. If your comparisons have different values for each quote you will not be able to determine which rate is truly the best in Eclectic.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that come into play when calculating your car insurance rates. Knowing what influences your rates enables informed choices that could result in much lower annual insurance costs.

The list below includes some of the items car insurance companies consider when setting premiums.

Liability insurance protects assets - The liability section of your policy provides coverage if you are found to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
Special features that cut premiums - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
How's your driving record? - Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Just one speeding ticket can boost insurance rates forty percent or more. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
Marriage pays dividends - Getting married actually saves money when buying car insurance. Having a spouse means you're more mature it has been statistically shown that being married results in fewer claims.
Older drivers save more - Young drivers in Alabama tend to get distracted easily when behind the wheel so they pay higher car insurance rates. Older insureds are more responsible, statistically cause fewer accidents and are safer drivers.
Rural vs Urban Areas - Choosing to live in small towns and rural areas is a positive aspect when it comes to car insurance. City drivers have to deal with more traffic problems and a longer drive to work. Lower population translates into fewer accidents and a lower car theft rate.

How much can you save with discounts?

Companies offering auto insurance don't always advertise all available discounts very clearly, so the following is a list of some of the more common and the harder-to-find car insurance savings. If you're not getting every credit possible, you're just leaving money on the table.

Club Memberships - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
Discount for Good Grades - Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
Paperless Signup - A few companies will give a small break just for signing your application over the internet.
Student in College - Children living away from home attending college without a vehicle on campus can receive lower rates.

It's important to note that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you're out of luck.

For a list of insurers with the best car insurance discounts in Alabama, follow this link.

Additional detailed information can be read at the Alabama Department of Insurance website. Consumers can find out which companies have the most complaints, view a list of available companies, and file complaints about a company.

A tidy conclusion

Lower-priced car insurance is possible from both online companies and also from your neighborhood Eclectic agents, and you need to price shop both to have the best rate selection. Some insurance companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

Consumers who switch companies do it for any number of reasons including questionable increases in premium, unfair underwriting practices, poor customer service and an unsatisfactory settlement offer. It doesn't matter what your reason, switching car insurance companies is not as hard as you think.

We just showed you many ways to lower your car insurance rates. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even discover the best price on car insurance is with a lesser-known regional company.