Proven Ways to Save on Moundville Car Insurance

No one looks forward to paying for car insurance, particularly when the cost is way too high.

Online insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices periodically due to the fact that insurance rates are constantly changing. Just because you found the best price a year ago there may be better deals available now. Ignore everything you know about car insurance because you're about to find out how to use online quotes to find better coverage at a better price.

Alabama car insurance

Don't pay full price with these discounts

Auto insurance companies don't always list every available discount in a way that's easy to find, so we took the time to find both the well known and the more hidden car insurance savings.

  • Early Switch Discount - A few companies offer discounts for buying a policy before your current policy expires. It's a savings of about 10%.
  • Good Student - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Homeowners Savings - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Senior Citizens - Older drivers may be able to get a small decrease in premiums.
  • Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like it's possible to get free car insurance, car insurance companies aren't that generous.

For a list of providers who offer car insurance discounts in Moundville, follow this link.

How to Get Moundville Car Insurance Comparison Quotes

Effectively comparing car insurance prices can take hours if you don't know the best way to get rate quotes. You can waste hours talking to local insurance agents in Moundville, or you can utilize the internet to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace that enables customers to submit their information once, and each company can provide price quotes. This eliminates the need for quote forms to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to pricing coverage this way is you don't know exactly the companies you will receive quotes from. So if you prefer to choose specific providers to receive pricing from, we put together a list of low cost car insurance companies in Alabama. Click to view list.

It doesn't matter which method you choose, just be sure to compare exactly the same quote information with every price quote. If you are comparing mixed coverages it will be impossible to find the best deal in Moundville. Just a small difference in coverages can result in a big premium difference. Keep in mind that comparing a large number of companies will increase your chances of finding the best offered rates.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that may help highlight whether or not you may require specific advice.

  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Alabama?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won't pay a claim?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Final considerations

We just presented a lot of tips how to get a better price on car insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Drivers may discover the biggest savings come from an unexpected company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as .

Cheap car insurance can be sourced both online as well as from independent agents in Moundville, and you should be comparing both to have the best rate selection. Some companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

While you're price shopping online, it's not a good idea to sacrifice coverage to reduce premiums. There have been many cases where someone dropped physical damage coverage only to regret at claim time they didn't purchase enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.