Consumer Tested Strategies to Save on Gilbertown Auto Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me when I say many Gilbertown consumers feel financially strained by their auto insurance policy.
You have so many to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.
Buying car insurance in Gilbertown is quite easy. If you have car insurance now, you will be able to save some money using these methods. Nevertheless, Alabama drivers do need to know the methods companies use to market on the web and take advantage of how the system works.
Take advantage of discounts
Companies don't always advertise all available discounts very clearly, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.
- Fewer Miles Equal More Savings - Keeping the miles down can qualify you for a substantially lower rate.
- Military Discounts - Being deployed with a military unit can result in better rates.
- Federal Government Employee - Active or retired federal employment can save as much as 8% depending on your company.
- Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
- Clubs and Organizations - Participating in a qualifying organization may earn a discount when buying auto insurance.
- Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
- Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
It's important to understand that some of the credits will not apply the the whole policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, it doesn't quite work that way.
Are auto insurance companies telling the truth?
21st Century, Allstate and State Farm regularly use ads on TV and radio. All the companies have a common claim of big savings if you move your policy. How does each company make almost identical claims? This is how they do it.
All companies are able to cherry pick for the right customer that earns them a profit. An example of a profitable customer could possibly be over the age of 40, has no tickets, and has excellent credit. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and most likely will save when switching.
Consumers who don't qualify for these standards must pay higher prices and this can result in the driver buying from a lower-cost company. The ads state "drivers who switch" not "people who quote" save that kind of money. That's the way insurance companies can confidently make those claims. This illustrates why you should get a wide range of price quotes. It's impossible to know which auto insurance company will have the lowest rates.
More tips and info about auto insurance is available at the Alabama Department of Insurance website. Alabama consumers can find disaster information, read industry bulletins, find out which companies have the most complaints, and download brochures.
Affordable insurance is out there
Low-cost auto insurance is definitely available online in addition to many Gilbertown insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
While you're price shopping online, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.
