Proven Ways to Save on Eight Mile Auto Insurance

Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as most other car owners in Alabama.

Big companies like GEICO and Progressive all claim big savings with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates once or twice a year since insurance rates are constantly changing. Even if you got the best deal a couple years back there is a good chance you can find better rates now. Starting right now, forget all the misinformation about auto insurance because it's time to teach you the only way to reduce your cost while increasing coverage.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Finding affordable coverage in Eight Mile is not that difficult. Although Alabama vehicle owners do need to know how insurance companies price insurance differently and take advantage of how the system works.

Eight Mile Rates are Influenced by These Factors

Consumers need to have an understanding of some of the elements that help determine auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get lower auto insurance prices.

One company can mean more discounts - Many companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to comparison shop to ensure the best deal. You may still find better rates by insuring with multiple companies.
Optional equipment can affect rates - Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Lower miles equals lower premium - Driving more miles every year the higher your rates will be. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Make sure your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
Do you have a high stress job? - Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, architects and dentists tend to have the highest average rates in part from high stress levels and lengthy work days. Other occupations like farmers, historians and performers receive lower rates.
Teen drivers pay high rates - Mature drivers tend to be more responsible, tend to file fewer claims and are safer drivers. Teenage drivers are known to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
Marriage pays dividends - Being married can get you a discount when buying auto insurance. Marriage means you're more responsible it has been statistically shown that drivers who are married are more cautious.
Don't skimp on liability - Liability coverage will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

Compare the Market for Auto Insurance in Eight Mile

Effectively comparing auto insurance prices is a ton of work if you don't understand the most efficient way to do it. You can spend your afternoon driving to local insurance agents in Eight Mile, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies enroll in a system that allows shoppers to submit one quote, and at least one company can give them a price based on the submitted data. This eliminates the need for repetitive form submissions to each individual auto insurance company.

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

The only drawback to getting quotes like this is you don't know exactly which providers you want to price. So if you want to select specific providers to receive pricing from, we put together a list of the cheapest auto insurance companies in Alabama. Click to view list.

Whichever way you use, double check that you are using exactly the same information for each comparison quote. If each company quotes higher or lower deductibles it will be very difficult to determine the lowest rate in Eight Mile. Just a small difference in coverages may cause a big price difference. It's important to know that obtaining a wide range of quotes will improve the odds of getting the best price.

Be sure to get all your discounts

Companies that sell car insurance don't necessarily list every available discount in a way that's easy to find, so here is a list some of the best known and the harder-to-find auto insurance savings.

Anti-theft Discount - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
Payment Method - If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
No Accidents - Claim-free drivers can earn big discounts compared to accident-prone drivers.
Resident Student - Children who live away from home and do not have access to a covered vehicle can receive lower rates.
E-sign - Certain companies give back up to $50 for buying your policy digitally online.
Organization Discounts - Affiliation with a civic or occupational organization could qualify you for a break on your policy.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won't be that lucky.

To choose providers who offer auto insurance discounts in Eight Mile, follow this link.

Is there truth in advertising?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads say the same thing about savings after switching to their company. How can each company say the same thing? This is how they do it.

All companies can use profiling for the driver that makes them money. An example of a preferred risk might be profiled as over the age of 50, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher prices which usually ends up with business not being written. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully advertise the way they do. That is why you need to get quotes from several different companies. It's not possible to predict the company that will provide you with the cheapest rates.

Even more information is available at the Alabama Department of Insurance website. Alabama drivers can read consumer alerts, view a list of available companies, file complaints about an insurance agent or broker, and read industry bulletins.

Final considerations

As you go through the steps to switch your coverage, it's a bad idea to reduce coverage to reduce premium. Too many times, an insured dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

The cheapest auto insurance can be purchased on the web and also from your neighborhood Eight Mile agents, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.