8 Guaranteed Tips to Slash Car Insurance Costs in Haleyville

No one likes having to buy car insurance, especially when their premiums are too high. Because there are so many different company options, it's nearly impossible to find the most cost effective car insurance company.

This information will familiarize you with the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this information. Alabama vehicle owners just need to know the most effective way to compare rates on the web.

Policy discounts you shouldn't miss

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be inquired about prior to getting the savings. If you don't get every credit you qualify for, you are paying more than you should be.

Federal Employees - Employees or retirees of the government could cut as much as 10% off with a few car insurance companies.
Good Student - This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
Multiple Cars - Buying insurance for all your vehicles with the same company could earn a price break for each car.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Theft Prevention Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Low Mileage Discounts - Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
Organization Discounts - Belonging to a professional or civic organization is a good way to get lower rates when shopping for car insurance.
Seat Belts Save - Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.

Drivers should understand that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies wouldn't make money that way. But all discounts will help reduce the amount you have to pay.

To choose insurance companies with discount car insurance rates in Alabama, click here to view.

Save $429 a year? Really?

Consumers can't ignore all the ads for cheaper car insurance from the likes of Progressive, Allstate and GEICO. They all make an identical promise that you'll save big if you change your coverage to them.

But how can every company make the same claim?

Insurance companies have a certain "appetite" for the type of customer that makes them money. For instance, a driver they prefer could be a mature driver, a clean driving record, and has great credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile will be quoted a higher premium and ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that much money. That is how companies can advertise the savings.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which company will fit your personal profile best.

Insurance agents can help

When buying the best car insurance coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that For example, these questions may help highlight whether your personal situation would benefit from professional advice.

Am I covered if I drive in a foreign country?
Why am I required to buy high-risk coverage?
Am I covered when driving on a suspended license?
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?
Does my personal auto insurance policy cover using my vehicle for business use?

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Additional Alabama consumer information

Much more information about car insurance in Alabama is located on the website for the Alabama Department of Insurance through this link. Consumers can download brochures, file complaints about a company, report car insurance fraud, and find out industry alerts.

Other informative sites include this site for car insurance rates in Alabama and this list of insurance agents in Haleyville.

Best coverage at the best price

You just learned many tips how you can save on car insurance. It's most important to understand that the more price quotes you have, the better chance you'll have of finding lower rates. You may even discover the best price on car insurance is with an unexpected company. Some small companies may only write in your state and offer lower rates compared to the large companies like .

Budget-conscious car insurance can be sourced from both online companies as well as from independent agents in Haleyville, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer online price quotes and these small, regional companies work with independent agents.