Car Insurance in Harpersville, AL - 8 Tricks to Save Money

Have you had enough of not being able to afford each month for car insurance? You are in the same boat as the majority of other car owners in Alabama.

Popular companies such as GEICO and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Choosing the best insurance company for you in Harpersville is quite easy. Nevertheless, Alabama consumers do need to know the way companies price insurance differently and take advantage of how the system works.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but companies offer discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but some must be specially asked for before you will receive the discount.

  • Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
  • Save with a New Car - Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • No Claims - Claim-free drivers can earn big discounts when compared to drivers who are more careless.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Low Mileage Discounts - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
  • Discount for Life Insurance - Larger companies have better rates if you take out life insurance.
  • Driver Safety - Successfully completing a defensive driving course could save 5% or more if you qualify.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will reduce your premiums.

Switch companies and save? Really?

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all say the same thing of big savings after switching your policy. How can each company claim to save you money?

Insurance companies can use profiling for the right customer that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, is a homeowner, and chooses high deductibles. Any new insured who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Drivers who do not match the requirements will be quoted higher premiums which usually ends up with the customer not buying. The ad wording is "people who switch" not "everyone that quotes" save that kind of money. That's why insurance companies can confidently state the savings.

This emphasizes why drivers should get a wide range of price quotes. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Additional car insurance information is available on the website for the Alabama Department of Insurance through this link. Visitors are able to find a variety of consumer forms, download brochures, file complaints about an insurance agent or broker, and read industry bulletins.

Do the work, save more money

When buying insurance coverage, it's a bad idea to skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Cost effective car insurance can be purchased both online in addition to many Harpersville insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.