Free Guide to Paying Less for Luverne Car Insurance Online

Having to pay for overpriced car insurance can dwindle your bank account and force you to make sacrifices. Comparing price quotes is free and is an excellent way to make sure you're not throwing money away.

There is such a variety of to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to compare rates.

Finding affordable coverage in Luverne is quite easy. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Nevertheless, Alabama car owners do need to know the way companies determine prices and use this information to your advantage.

Policy discounts you shouldn't miss

Car insurance companies don't always advertise all available discounts very clearly, so we break down some of the more common and the more hidden ways to save on car insurance.

More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy could earn a price break for each car.
New Car Discount - Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
Pay Upfront and Save - If paying your policy premium upfront instead of paying each month you could save 5% or more.
Air Bag Discount - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
Drivers Education - Have your child enroll in driver's education in high school.
No Claims - Drivers who don't have accidents can save substantially when compared with bad drivers.
Paperless Signup - A few companies will give a small break simply for signing over the internet.
Memberships - Belonging to a qualifying organization could trigger savings when buying car insurance.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies don't profit that way.

To see a list of insurers with the best car insurance discounts in Alabama, click this link.

How to Get Cheap Car Insurance in Luverne, AL

The are a couple different ways to compare quotes from local Luverne car insurance companies. The best method to find the lowest rates is to use the internet to compare rates. This can be done in a couple of different ways.

The best way consumers can analyze rates is a comparison rater form (click to open form in new window). This form saves time by eliminating separate quote forms for each company you want a rate for. A single, simple form will return price quotes from many national carriers.
Another way to shop for car insurance online consists of visiting each individual company website to complete a price quote. For sake of this example, let's say you want comparison quotes from , and . To get each rate you have to spend time on each company's site to enter your coverage information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Luverne, click here.
The hardest way of comparing rate quotes is to waste gas driving to different Luverne agent offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. Drivers can obtain prices from the web but buy from a local insurance agent and we'll talk about that later.

It's up to you how you get prices quotes, just make sure you use identical deductibles and coverage limits for every company. If each company quotes different values for each quote it will be impossible to decipher which rate is best in Luverne. Having just a slight variation in coverage limits could mean much higher rates. And when comparing car insurance rates, know that having more price comparisons helps locate better pricing.

Understand what determines the rate you pay

An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. Knowing what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a few of the "ingredients" that factor into premiums.

Higher deductibles cost less - Physical damage deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, vandalism, and windstorm damage. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
The more you drive the more you pay - The more you drive in a year's time the more you'll pay to insure your vehicle. The majority of insurers rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your car insurance policy shows the correct driver usage.
Lower rates with optional equipment - Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
Mature drivers pay less - Young drivers in Alabama tend to get distracted easily when driving so they pay higher car insurance rates. Parents adding a youthful driver onto your car insurance can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and are safer drivers.
Clean credit earns discounts - A driver's credit rating is a large factor in determining what you pay for car insurance. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores. If your credit rating can use some improvement, you could pay less to insure your by spending a little time repairing your credit.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there isn't really a best way to insure your cars. Everyone's needs are different so this has to be addressed. For example, these questions can help discover whether your personal situation might need an agent's assistance.

Am I covered when driving on a suspended license?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
What companies insure drivers after a DUI or DWI?
Is my cargo covered for damage or theft?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Save $429 a year? Really?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies make the same claim of big savings if you move your policy. How does each company make the same claim?

Insurance companies have a preferred profile for the right customer that is profitable for them. For example, a profitable customer could be between the ages of 30 and 50, has no prior claims, and has great credit. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards must pay more money which leads to business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently advertise the savings. This illustrates why drivers must get as many comparisons as possible. Because you never know which insurance companies will fit your personal profile best.

Affordable insurance is out there

Cost effective car insurance is possible from both online companies in addition to many Luverne insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

When you buy insurance online, it's very important that you do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Learn more about car insurance in Alabama

More tips and info about car insurance can be found at the Alabama Department of Insurance website. Consumers can report car insurance fraud, file complaints about an insurance agent or broker, view a list of available companies, and read enforcement actions against agents and companies.