Lower Online Lafayette Auto Insurance Prices With These Tips

If you are a novice to online auto insurance shopping, you may be overwhelmed by the vast number of auto insurance companies all offering big savings in Lafayette.

These discounts can lower your rates

Companies that sell car insurance do not advertise every discount in a way that's easy to find, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Good Student - Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Homeowners Savings - Simply owning a home can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy qualifies for this discount.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way.

compare Lafayette auto insurance rates

Different people need different coverages

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone's situation is unique.

For instance, these questions may help highlight whether you may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in Alabama?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are Alabama no-fault laws?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and may give you better protection.

Are you falling for claims of savings?

Alabama consumers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. They all make an identical promise that you can save after switching to their company.

How can each company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the driver that earns them a profit. For instance, a driver they prefer could possibly be over the age of 50, a clean driving record, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads state "drivers who switch" not "everybody who quotes" save that much. That is how insurance companies can claim big savings. This emphasizes why you should get quotes from several different companies. It's impossible to know which company will give you the biggest savings.

Additional Alabama consumer information

Additional detailed information is located at the Alabama Department of Insurance website. Alabama consumers can find disaster information, file complaints about a company, and get help finding coverage.

Alabama auto insurance

Best coverage at the best price

People change insurance companies for any number of reasons including unfair underwriting practices, poor customer service, an unsatisfactory settlement offer and even extreme rates for teen drivers. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.

You just read some good ideas how you can reduce auto insurance prices online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a smaller regional carrier.

Affordable auto insurance can be sourced online and also from your neighborhood Lafayette agents, and you should be comparing both to have the best rate selection. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.