Top 6 Ways to Save Money on Car Insurance in Ider

Shopping for the most affordable Ider car insurance on the web is impossible for beginners to online price comaprisons. With so many choices of companies in the marketplace, how can you even start to compare every one to find the cheapest rates?

It's important to check car insurance prices quite often since rates are constantly changing. Even if you think you had the lowest rates last year the chances are good that you can find a lower rate today. Starting now, ignore everything you know about car insurance because we're going to show you the tricks you need to know to save money, get proper coverage and the best rates.

Be sure to get all your discounts

Companies that sell car insurance don't always publicize all their discounts very clearly, so we break down both the well known and the harder-to-find ways to save on car insurance.

  • College Student - Any of your kids who attend school more than 100 miles from home and don't have a car can receive lower rates.
  • Senior Citizens - Mature drivers may receive reduced rates.
  • Drive Less and Save - Low mileage vehicles can earn better rates on cars that stay parked.
  • Accident Waiver - Certain companies will allow you to have one accident before raising your premiums as long as you don't have any claims for a particular time prior to the accident.
  • Bundle and Save - When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
  • Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.

To see a list of companies with discount car insurance rates in Alabama, click this link.

Ider car insurance comparison

Low Cost Ider Car Insurance

Performing a rate comparison can take time and effort if you aren't aware of the fastest way to get free quotes. You can waste a lot of time talking to local insurance agents in Ider, or you can stay home and use the web to achieve your goal.

Many insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company then gives them pricing for coverage. This system prevents you from having to do form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is that consumers can't choose which carriers to receive prices from. So if you want to choose specific insurance companies to request quotes from, we put together a list of the cheapest car insurance companies in Alabama. Click here to view list.

It's up to you how you get prices quotes, just make darn sure you compare identical coverage limits on every quote. If you use differing limits it will be very difficult to make a fair comparison in Ider. Having just a slight variation in coverages can make a big difference in price. And when comparison shopping, quoting more helps locate better pricing.

How do I know if I need professional advice?

When choosing adequate coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique.

For example, these questions may help you determine whether or not you might need professional guidance.

  • Why does it cost so much to insure a teen driver in Ider?
  • Should I buy additional glass protection?
  • Is my vehicle covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What are the best liability limits?
  • Do I need to file an SR-22 for a DUI in Alabama?
  • Does medical payments coverage apply to all occupants?
  • Does my policy cover my teen driver if they drive my company car?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form.

Is there truth in advertising?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to make the same claim about savings if you change to them. How does each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver that is profitable for them. For example, a desirable insured might be between 30 and 50, insures multiple vehicles, and has great credit. Any new insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will have to pay higher rates which leads to the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. This is how companies can truthfully advertise the savings. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Final considerations

As you prepare to switch companies, never reduce coverage to reduce premium. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.

Cheaper car insurance is attainable both online and with local Ider insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just covered some good ideas how to compare car insurance prices online. It's most important to understand that the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with a smaller regional carrier.

Ider car insurance comparison

More sites with car insurance information

Even more information can be found at the Alabama Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, learn about insurance regulations, and discover disciplinary actions.