Free Guide to Paying Less for Monroeville Car Insurance Online

Having to pay for overpriced car insurance can drain your savings account and make it hard to pay other bills. Comparison shopping is a smart way to make sure you're not throwing money away.

Numerous battle for your business, and because of this it can be hard to compare to get the lowest price

It's important to price shop coverage on a regular basis because rates are constantly changing. Even if you got the best price last year you can probably find a better price now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the only way to find better coverage at a better price.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Finding affordable coverage in Monroeville is not that difficult. Although Alabama car owners do need to know how the larger insurance companies price online insurance and apply this information to your search.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

  • With age comes lower rates - More mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers. Young drivers are statistically proven to be more careless when driving therefore car insurance rates are much higher.
  • Battle of the sexes - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. Women and men have accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.
  • Multiple policies with one company can save - Most companies will give a discount to policyholders who have multiple policies with them. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount you may still want to comparison shop to confirm you are receiving the best rates possible.
  • High deductibles save money - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, or theft. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount the insured has to pay upfront, the bigger discount you will receive.
  • Better credit scores mean better rates - Credit score is a large factor in determining what you pay for car insurance. If your credit rating is lower than you'd like, you could save money insuring your by repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
  • An active claims history can cost you - If you tend to file frequent claims, you can expect either a policy non-renewal or much higher rates. Car insurance companies in Alabama provide better rates to insureds who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Monroeville car insurance comparison

How much can you save with discounts?

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be triggered automatically at the time of purchase, but a few need to be asked for prior to receiving the credit.

  • College Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Accident Waiver - A few companies permit an accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Own a Home - Owning a house in Monroeville may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
  • Air Bag Discount - Factory air bags or automatic seat belts can get savings of 20% or more.
  • Student Driver Training - Cut your cost by having your teen driver complete a driver education course in school.
  • Use Seat Belts - Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will cut the amount you have to pay.

To choose companies offering car insurance discounts in Monroeville, follow this link.

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

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing about savings if you switch your policy. How do they all make the same claim?

All companies have a preferred profile for the right customer that makes them money. For example, a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and drives newer vehicles. A customer who fits that profile receives the best rates and is almost guaranteed to cut their rates substantially.

Potential customers who don't meet the "perfect" profile will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say "people who switch" but not "drivers who get quotes" save that kind of money. This is how companies can truthfully claim big savings.

Because of the profiling, you should quote coverage with many companies. Because you never know which insurance companies will give you the biggest savings.

Additional information can be found on the website for the Alabama Department of Insurance through this link. Consumers can read enforcement actions against agents and companies, learn about insurance regulations, read consumer alerts, and report car insurance fraud.

Shop smart and save

When trying to cut insurance costs, never buy poor coverage just to save money. There are many occasions where drivers have reduced physical damage coverage only to regret at claim time that it was a big mistake. Your aim should be to buy enough coverage at an affordable rate.

The cheapest car insurance can be found from both online companies in addition to many Monroeville insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We just showed you a lot of information how to save on car insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from an unexpected company. Some small companies may cover specific market segments cheaper compared to the large companies like .