Free Guide to Paying Less for Northport Auto Insurance Online

Scraping up a payment for overpriced auto insurance can take a big chunk out of your savings account, especially in this economy. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket.

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

It's important to check auto insurance prices on a regular basis because prices are constantly changing. Just because you had the best rates last year there is a good chance you can find better rates now. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to reduce your auto insurance bill.

If you currently have car insurance, you should be able to reduce your rates substantially using this information. Finding affordable coverage in Northport is easy if you know what you're doing. But Alabama consumers do need to know how big insurance companies sell insurance online.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that may reward you with better auto insurance rates.

Discounts for married couples - Getting married can actually save you money on your auto insurance policy. It is viewed as being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
Are you male or female? - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that women are better drivers. Men and women have accidents at a similar rate, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and are penalized with high auto insurance rates.
Cautious drivers pay less - Good drivers tend to pay less for car insurance than bad drivers. Only having one ticket can increase rates by as much as thirty percent. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Liability coverage is peace of mind - Liability insurance is the protection if ever you are found liable for damages from an accident. It provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
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. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. Physical damage deductibles are how much you are willing to pay before a claim is paid by your company. The more expense you're willing to pay, the bigger discount you will receive.
You might want pay the small claims yourself - If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance companies in Alabama give better rates to people who file claims infrequently. Car insurance is intended for the bigger claims that can't be paid out-of-pocket.

Northport Auto Insurance Prices Online

Comparing auto insurance rates can take time and effort if you don't understand the most efficient way. You can spend your afternoon talking about coverages with local insurance agents in Northport, or you can stay home and use the web to accomplish the same thing much quicker.

Most of the larger companies participate in an industry program that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on that data. This system prevents you from having to do quote requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of system is that consumers can't choose which providers you want pricing from. So if you want to choose individual companies to request quotes from, we have a page of the cheapest auto insurance companies in Alabama. Click here for list of insurance companies in Alabama.

It's up to you how you get prices quotes, just ensure you are comparing the exact same coverages and limits on every quote. If you have different deductibles it will be very difficult to make a fair comparison in Northport. Having just a slight variation in insurance coverages can make a big difference in price. Just remember that quoting more will enable you to find a lower rate.

How much can you save with discounts?

Companies that sell car insurance don't always advertise all their discounts in an easy-to-find place, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance.

Sign Online - Some insurance companies may give you up to $50 for buying a policy and signing up on their website.
Accident Waiver - A few companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
Good Student Discount - This discount can save 20 to 25%. The good student discount can last until age 25.
Multi-car Discount - Buying insurance for more than one vehicle with the same company qualifies for this discount.
Own a Home - Owning a house in Northport may earn you a small savings because owning a home demonstrates responsibility.
Organization Discounts - Being a member of certain professional organizations could trigger savings on auto insurance.
Student Driver Training - Cut your cost by having your teen driver complete a driver education course in school.
Defensive Driver - Taking a defensive driving course could cut 5% off your bill if your company offers it.
Payment Discounts - If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way.

To choose companies offering auto insurance discounts in Northport, click this link.

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

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to make the same claim that you'll save big if you switch to them. How do they all claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of driver that makes them money. A good example of a desirable insured might be between 30 and 50, insures multiple vehicles, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.

Consumers who don't meet the "perfect" profile will have to pay higher rates which leads to the customer not buying. The ads say "drivers who switch" but not "drivers who get quotes" save money. This is how companies can advertise the savings. Because of the profiling, you need to get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

More detailed Alabama auto insurance information can be read at the Alabama Department of Insurance website. Visitors are able to get help finding coverage, learn about insurance regulations, file complaints about a company, and find out which companies have the most complaints.

Final considerations

Discount auto insurance is available both online and with local Northport insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

We covered some good ideas how to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .