Car Insurance in Gulf Shores, AL - 5 Discounts You Might be Unaware of

If online car insurance comparisons are new to you, it's easy to get overwhelmed by the sheer number of car insurance companies competing for business in Gulf Shores.

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. The purpose of this post is to introduce you to the most effective way to quote insurance. Nevertheless, Alabama consumers do need to know the methods companies use to price online insurance.

Gulf Shores Car Insurance Quote Comparison

There are several ways to shop for car insurance, but one way is less time-consuming than others. You can spend your afternoon talking about coverages with agents in Gulf Shores, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of form is that you can't choose which providers to get quotes from. If you would rather choose specific insurance companies for rate comparison, we have a listing of the cheapest car insurance companies in Alabama. Click here for list of insurance companies in Alabama.

Whichever method you choose, make absolute certain that you use the exact same coverage limits and deductibles for every company. If each company quotes different liability limits you will not be able to decipher which rate is best in Gulf Shores. Slightly different coverage limits can make a big difference in price. And when quoting car insurance, remember that quoting more will enable you to find the best rates.

How much can you save with these 5 discounts?

Properly insuring your vehicles can get expensive, but there are discounts available that many people don't even know exist. Most are applied at quote time, but some may not be applied and must be asked about in order for you to get them.

  • Federal Employees - Employees or retirees of the government may qualify you for a discount with a few car insurance companies.
  • Anti-lock Brakes - Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Multi-car Discount - Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Multiple Policy Discount - If you insure your home and vehicles with one company you may earn approximately 10% to 15%.

Consumers should know that some credits don't apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

To choose insurance companies offering car insurance discounts in Gulf Shores, click here.

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

Car insurance providers like Progressive, Allstate and GEICO constantly bombard you with television and radio advertisements. They all have a common claim of big savings if you switch to them. How do they all claim to save you money? This is how they do it.

All the different companies have a certain "appetite" for the type of driver that makes them money. A good example of a driver they prefer might be over the age of 40, owns a home, and drives less than 10,000 miles a year. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't meet the "perfect" profile will be quoted more money and this can result in the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save money. That is how insurance companies can confidently advertise the way they do.

This emphasizes why you need to get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

How much car insurance do I need?

When buying coverage for your vehicles, there is no "best" method to buy coverage. Every insured's situation is different.

For example, these questions might point out if your insurance needs could use an agent's help.

  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?
  • What are the best liability limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?

If you can't answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Additional car insurance information can be read on the Alabama Department of Insurance website. Click here for link. Visitors are able to download brochures, find out industry alerts, and read consumer alerts.

Gulf Shores car insurance quote

Do the work, save more money

Drivers switch companies for any number of reasons including extreme rates for teen drivers, policy cancellation, lack of trust in their agent or even poor customer service. It doesn't matter what your reason, switching car insurance companies is easier than you think.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are too many instances where an insured cut full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Cost effective car insurance can be found both online and with local Gulf Shores insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies do not offer online price quotes and these small insurance companies work with independent agents.