Buy Low-Cost Geraldine Auto Insurance

Having to pay for overpriced auto insurance can empty your savings account, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to lower your monthly bill.

Because there are so many insurance companies to choose from, it can be challenging to pick the right insurance company.

It's important to do rate comparisons quite often because prices are constantly changing. Just because you had the lowest price last year the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you're about to learn the proper way to eliminate unnecessary coverages and save money.

This information will help you learn the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Nevertheless, Alabama consumers do need to know how companies sell insurance online because it can help you find the best coverage.

How much can you save with discounts?

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Some trigger automatically at the time you complete a quote, but less common discounts must be asked for prior to getting the savings.

  • Life Insurance - Larger companies have a break if you buy life insurance.
  • Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Early Signing - Some companies give discounts for buying a policy before your current expiration date. This can save 10% or more.
  • Good Student Discount - A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Accident Waiver - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.
  • Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Memberships - Being a member of a professional or civic organization is a good way to get lower rates on auto insurance.

It's important to understand that most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of companies offering auto insurance discounts in Alabama, click here to view.

Alabama auto insurance quotes

Free Geraldine Auto Insurance Quotes

There are several ways to compare auto insurance quotes, and some are easier and takes less work. You can waste a lot of time discussing policy coverages with insurance companies in Geraldine, or you could use the web for quick rates.

Many insurance companies take part in a program that allows shoppers to only type in their quote data once, and each company then returns a price quote based on that data. This saves time by eliminating quotation requests 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 cannot specify which carriers you want to price. So if you want to choose from a list of companies to compare rates, we have a listing of companies who write auto insurance in Alabama. Click here for list of insurance companies in Alabama.

It's your choice how you get your quotes, but make darn sure you compare apples-to-apples coverages and limits with every price quote. If you have different deductibles then you won't be able to find the best deal in Geraldine. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when comparison shopping, more quotes gives you a better chance of getting a lower rate.

Why some people pay less for insurance in Geraldine

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

Listed below are a partial list of the pieces companies use to determine rates.

  • More people means more accidents - Residing in small towns and rural areas can be a good thing when talking about auto insurance. Drivers who live in large cities have much more traffic and longer commute times. Fewer people means fewer accidents as well as less vandalism and auto theft.
  • Mature drivers pay less - Youthful drivers in Alabama are statistically proven to be more careless when driving so auto insurance rates are higher. Parents adding a teen driver to your policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • What type of vehicle do you drive? - The performance of the car you own makes a huge difference in determining your rates. The lowest base rates are for lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.
  • Cautious drivers pay less - Good drivers get better rates than bad drivers. Even one citation can increase rates by as much as thirty percent. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Are you male or female? - Statistics have proven women tend to be less risk to insure than men. That doesn't necessarily mean that women are better drivers. Both sexes have accidents in similar numbers, but the males cause more damage. They also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore have the most expensive auto insurance rates.

How much car insurance do I need?

When choosing the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine if your insurance needs would benefit from an agent's advice.

  • When does my teenage driver need to be added to my policy?
  • Should I file a claim if it's only slightly more than my deductible?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Alabama?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Am I covered if I wreck a rental car?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don't have a local agent, simply complete this short form or you can go here for a list of companies in your area.

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

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to make an identical promise of big savings if you switch to them. But how can every company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of driver that is profitable for them. For instance, a desirable insured might be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who meets those qualifications will get very good rates 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. The ads say "customers who switch" but not "drivers who get quotes" save money. This is how insurance companies can confidently claim big savings.

Because of the profiling, drivers must get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, don't be tempted to reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to find the BEST coverage at the best price.

We covered many tips how you can compare auto insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding lower rates. Consumers could even find that the most savings is with some of the smallest insurance companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like .

Low-cost auto insurance is available both online and with local Geraldine insurance agents, so you should compare both to have the best rate selection. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Geraldine auto insurance comparison

More sites with auto insurance information

Additional auto insurance information is located on the website for the Alabama Department of Insurance found here. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, learn about specific coverages, and file complaints about a company.

Additional helpful sites include Wikipedia and this page where you can research Geraldine insurance agents.