Montgomery Auto Insurance For Less Than You're Paying Now

If you're new to shopping for auto insurance online, you can be overwhelmed by the sheer number of auto insurance companies selling insurance in Montgomery.

It's important to get comparison quotes periodically because prices are constantly changing. Just because you found the best deal two years ago you can probably find a lower rate today. So forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to save on auto insurance.

Finding the best rates in Montgomery is quite easy. If you currently have car insurance, you will be able to save some money using this strategy. Alabama drivers only need an understanding of how to buy auto insurance on the web.

Montgomery auto insurance quote

How to Get Montgomery Auto Insurance Comparison Quotes

Most companies like Allstate and Progressive quote insurance quotes directly from their websites. This process doesn't take much effort as you simply enter your personal and coverage information as detailed in the form. When the form is submitted, the system will obtain your driving and credit reports and provides a quote based on these and other factors.

Quoting online makes it a lot easier to compare rates but the work required to visit many different websites and complete many quote forms is monotonous and tiresome. But it's very important to have as many quotes as possible if you are searching for the best price on auto insurance.

A quicker way to compare rates uses one form to return rates from several different companies. The form is fast, eliminates repetitive work, and makes rate comparisons much easier. As soon as the form is sent, it is quoted with multiple companies and you can pick any one of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase coverage. It only takes a few minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you have a policy now, it's recommended that you enter the coverages identical to your current policy. This ensures you will have a fair comparison for similar insurance coverage.

Are you getting all your discounts?

Companies don't always advertise every available discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Anti-lock Brakes - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Good Student - A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Multiple Cars - Buying coverage for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • E-sign - Some insurance companies may give you up to $50 simply for signing over the internet.
  • Homeowners Savings - Being a homeowner can save you money because maintaining a house requires personal responsibility.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
  • Life Insurance Discount - Larger companies have a discount if you purchase life insurance from them.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.

Consumers should know that some credits don't apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, companies don't profit that way.

To see a list of providers with discount auto insurance rates in Alabama, click here.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

For instance, these questions may help highlight whether you could use an agent's help.

  • Does my insurance cover a custom paint job?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I wreck a rental car?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

More tips and info about auto insurance is available at the Alabama Department of Insurance website. Visitors are able to find out industry alerts, file complaints about a company, and find out which companies have the most complaints.