7 Discounts Jemison Drivers Forget when Quoting Car Insurance

Scraping up a payment for overpriced car insurance can take a big chunk out of your personal savings and force you to make sacrifices. Doing a price comparison is a great way to reduce premiums and put more money in your pocket. With consumers having so many insurance companies to choose from, it can be hard to locate the lowest price insurer.

Finding affordable coverage in Jemison is easy if you know what you're doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Alabama vehicle owners just need to know the proper way to compare prices online.

How much can you save with these seven discounts?

Companies don't list all available discounts very well, so we break down some of the more common and the harder-to-find discounts you could be receiving. If you don't get every credit you deserve, you are throwing money away.

  • More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Own a Home - Owning a home in Jemison can save you money because of the fact that having a home is proof that your finances are in order.
  • Military Discounts - Being deployed with a military unit can result in better rates.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Auto/Home Discount - If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Government Employees - Active or retired federal employment may qualify you for a discount depending on your company.
  • Theft Prevention System - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

Consumers should know that some credits don't apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies don't profit that way.

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

Consumers get pounded daily by advertisements for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies have a common claim that you'll save big if you move your policy.

But how can every company make the same claim? This is how they do it.

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could be between 25 and 40, insures multiple vehicles, and chooses high deductibles. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who don't meet this ideal profile must pay higher rates and this can result in business going elsewhere. The ad wording is "drivers who switch" but not "drivers who get quotes" save that kind of money. This is how companies can state the savings. This illustrates why drivers should compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

For more Alabama car insurance information

More detailed Alabama car insurance information can be found at the Alabama Department of Insurance website. Consumers can find out which companies have the most complaints, get help finding coverage, view a list of available companies, and find out industry alerts.

Also read more on this link for Alabama car insurance quotes and this page for help finding agents in Jemison, AL.

Best coverage at the best price

Discount car insurance is possible from both online companies in addition to many Jemison insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, do not skimp on coverage in order to save money. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.