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

Expensive auto insurance can empty your savings account and make it hard to pay other bills. Comparison shopping is a smart way to reduce premiums and put more money in your pocket. Having so many different company options, it can be challenging to pick the best insurance company.

auto insurance in Florala

How to Buy Florala Auto Insurance Online

Cutting your auto insurance rates is not a difficult process. Consumers just need to take a few minutes comparing rates online with multiple companies. This can be accomplished using a couple different methods.

  • The recommended way consumers can analyze rates is a comparison rater form (click to open form in new window). This method eliminates the need for separate forms for every auto insurance company. One form compares rates from several companies.
  • A slightly less efficient method to shop for auto insurance online is going to the website for every company you want to comare and request a quote. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Florala, click here.
  • The least efficient way to compare rates is driving to insurance agents' offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance of a local agent. You can, however, get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

Whichever way you use, make darn sure you compare apples-to-apples coverage limits and deductibles with every price quote. If your comparisons have different liability limits it will be next to impossible to find the best deal in Florala.

Policy discounts you shouldn't miss

Insurance can be prohibitively expensive, but companies offer discounts that many people don't even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked for prior to getting the savings. If you don't get every credit you deserve, you're paying more than you need to.

  • Defensive Driver - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Student in College - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • Own a Home - Owning a home in Florala may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Government Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, auto insurance companies aren't that generous. Any amount of discount will help reduce the amount you have to pay.

To see a list of insurers offering auto insurance discounts in Alabama, follow this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • What are Alabama no-fault laws?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Alabama?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • 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 but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. 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. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, find out industry alerts, and file complaints about a company.

Additional helpful sites include this resource for Alabama auto insurance prices and this link which helps you find a Florala agent.