Compare Hanceville Auto Insurance Prices With These Methods

Are you overwhelmed by the crazy number of auto insurance companies in Hanceville? Many other drivers are as well. There are so many choices that it can turn into a lot of work to find lower rates.

This article will tell you how to effectively get price quotes and some tips to save money. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Alabama drivers only need an understanding of the proper way to find the lowest price online.

Don't pay full price with these discounts

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you don't get every credit possible, you're paying more than you need to.

  • Memberships - Participating in a professional or civic organization could trigger savings when buying auto insurance.
  • Service Members Pay Less - Having a family member in the military can result in better rates.
  • Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • More Vehicles More Savings - Having multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.
  • Student in College - Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Paperless Signup - Certain companies will discount your bill up to fifty bucks simply for signing online.

It's important to understand that many deductions do not apply the the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurers with the best auto insurance discounts in Alabama, click this link.

How to Compare Hanceville Auto Insurance Costs

There are multiple methods to compare auto insurance prices but there is one way that is easier and takes less work. You can waste a lot of time talking to insurance companies in Hanceville, or you could save time and use the web for quick rates.

Many insurance companies enroll in a system that enables customers to submit one quote, and each company returns a rated price for coverage. This system prevents you from having to do quote forms to each individual auto insurance company.

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 pricing from. So if you want to select specific providers to compare rates, we have a listing of auto insurance companies in Alabama. View list of Alabama insurance companies.

It doesn't matter which method you choose, just compare apples-to-apples coverages with every price quote. If you use different limits and deductibles on each one it's not possible to find the best deal in Hanceville.

Hanceville Rates are Influenced by These Factors

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that could result in lower auto insurance prices.

The list below includes a few of the "ingredients" auto insurance companies consider when setting premiums.

  • Protect yourself with liability coverage - The liability section of your policy provides coverage if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Higher safety ratings means cheaper insurance - Cars with high safety ratings tend to have better insurance rates. Safe vehicles reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Frequent auto insurance claims increase rates - Auto insurance companies in Alabama give discounts to policyholders who are claim-free. If you frequently file small claims, you can expect higher rates. Auto insurance is designed for the large, substantial claims.
  • Careful drivers pay lower rates - Whether or not you get tickets has a big impact on rates. Only having one moving violation can boost insurance rates forty percent or more. Careful drivers have lower premiums than people who have multiple driving citations. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Adjust deductibles and save - Physical damage deductibles represent how much money you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
  • Mature drivers pay less - Teen drivers in Alabama tend to get distracted easily when behind the wheel so auto insurance rates are higher. Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Being married can save on auto insurance - Having a spouse actually saves money on your auto insurance policy. Having a spouse means you're more mature and responsible and it's proven that being married results in fewer claims.

The auto insurance bait and switch

Alabama consumers can't get away from ads that promise big savings by Allstate, GEICO and Progressive. All the companies make the same claim of big savings if you move to their company.

But how can every company make almost identical claims?

All companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer could possibly be between 25 and 40, has no tickets, and drives newer vehicles. A customer getting a price quote who matches those parameters is entitled to the best price and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile must pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently claim big savings.

This illustrates why drivers must compare many company's rates. It's impossible to know which auto insurance company will give you the biggest savings.

A tidy conclusion

Low-cost auto insurance is definitely available online and also from your neighborhood Hanceville agents, so you should compare both to have the best rate selection. A few companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, delays in responding to claim requests, extreme rates for teen drivers or poor customer service. Regardless of your reason, choosing a new insurance company is actually quite simple.

When trying to cut insurance costs, don't be tempted to reduce coverage to reduce premium. In too many instances, an insured dropped physical damage coverage only to discover later that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

auto insurance in Hanceville

Find out more about auto insurance

Additional auto insurance information can be found on the Alabama Department of Insurance website located here. Alabama consumers can find out which companies have the most complaints, find disaster information, and download brochures.

Additional helpful sites include this link for Alabama auto insurance quotes and this link which helps you find a Hanceville agent.