Free Guide to Saving Money on Millry Car Insurance Online

Expensive car insurance can empty your checking account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances. Numerous battle for your hard-earned dollar, and because of this it can be hard to compare and get the definite lowest price

Take advantage of discounts

Companies offering auto insurance don't always advertise every discount in an easy-to-find place, so we break down some of the more common as well as the least known savings tricks you should be using. If they aren't giving you every credit you deserve, you are throwing money away.

  • Government Employees - Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
  • Multiple Policy Discount - If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Good Student Discount - Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
  • Multi-car Discount - Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.

It's important to note that most discounts do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

How to know if you need help

When it comes to buying adequate coverage for your personal vehicles, there is no "perfect" insurance plan. Everyone's situation is a little different so your insurance should reflect that These are some specific questions can help discover whether your personal situation might need an agent's assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Are my tools covered if they get stolen from my vehicle?

If you're not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Are car insurance companies telling the truth?

Consumers get pounded daily by advertisements for car insurance savings by companies like Progressive, Allstate and GEICO. They all make an identical promise that you can save if you switch to them.

How do they all make the same claim?

Insurance companies have a preferred profile for the type of driver that earns them a profit. For example, a driver they prefer could be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will be quoted a more expensive rate and ends up with business going elsewhere. The ad wording is "customers that switch" not "people who quote" save money. This is how insurance companies can advertise the way they do. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Learn more about car insurance in Alabama

Additional detailed information can be found at the Alabama Department of Insurance website. Consumers can download brochures, view agent and company licensing information, file complaints about a company, and report car insurance fraud.

Alabama car insurance quotes

And the best car insurance company is...

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

You just learned many tips how you can reduce car insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the lowest rates come from some of the lesser-known companies. Regional companies often have lower prices on specific markets than their larger competitors like .