Tightwads Guide to Saving on Leighton Auto Insurance
Are you sick and tired of robbing Peter to pay Paul each month for car insurance? You're in the same situation as many other Alabama consumers.
Because there are so many online and local companies to choose from, it can be challenging to choose the lowest price insurance company.
It's important to shop coverage around before your policy renews because prices are constantly changing. Even if you think you had the best deal last year there may be better deals available now. So forget all the misinformation about auto insurance because you're going to get a crash course in the only way to find better rates and still maintain coverage.
Don't pay full price with these discounts
Companies offering auto insurance don't always advertise all their discounts very well, so here is a list both the well known and also the lesser-known discounts you could be receiving.
- Save with a New Car - Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
- Claim Free - Claim-free drivers can earn big discounts as compared to frequent claim filers.
- Safety Course Discount - Taking part in a defensive driving course could save 5% or more depending on where you live.
- Good Students Pay Less - Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- Sign Online - A handful of insurance companies may give you up to $50 for buying your policy online.
- Drive Less and Save - Low mileage vehicles can qualify you for a substantially lower rate.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.
For a list of companies with discount auto insurance rates in Alabama, click here.
How to Compare Leighton Auto Insurance Rates
Performing a rate comparison can be exhausting if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Leighton, or you could use the web for quick rates.
Most car insurance companies are enrolled in a marketplace that enables customers to complete one form, and each company then returns a price quote for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.
To submit your quote information now, click here (opens in new window).
The only drawback to pricing coverage this way is you are unable to specify the companies you want to price. So if you prefer to pick specific insurance companies to compare, we put together a list of companies who write auto insurance in Alabama. Click here to view list.
However you get your quotes, ensure you're using apples-to-apples coverage limits with every price quote. If you use differing limits you can't possibly find the best deal in Leighton. Slightly different coverages may result in large price differences. And when price shopping your coverage, comparing more company's prices gives you a better chance of getting better pricing.
Affordable insurance is out there
As you prepare to switch companies, don't be tempted to sacrifice coverage to reduce premiums. In many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price.
Cheaper auto insurance is attainable both online as well as from independent agents in Leighton, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer online quoting and most of the time these smaller companies sell through independent agents.
