How to Know You're Paying Too Much for Auto Insurance in Odenville

Nobody looks forward to paying for auto insurance, in particular when they are paying too much.

Insurance companies such as GEICO and Progressive increase brand awareness with advertising and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage periodically because prices are constantly changing. Just because you had the best deal a couple years back there may be better deals available now. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to lower your annual insurance bill.

Odenville auto insurance quote

These discounts can lower your rates

Car insurance companies don't always publicize every available discount in a way that's easy to find, so here is a list both well-publicized and also the lesser-known auto insurance savings.

  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Some companies give discounts for switching policies before your current policy expires. This can save 10% or more.
  • Passive Restraints - Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • No Claims - Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Club Memberships - Participating in a civic or occupational organization could qualify you for a break on your policy.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class in school.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky.

For a list of providers offering auto insurance discounts in Odenville, follow this link.

How to Get Odenville Auto Insurance Comparison Quotes

Most major insurance companies provide coverage price quotes directly from their websites. This process doesn't take a lot of time as you simply enter your personal and coverage information as detailed in the form. Once entered, the company's rating system will obtain your driving record and credit report and quotes a price. Online quotes makes it a lot easier to compare rates but having to visit multiple sites and type in the same information is monotonous and tiresome. But it's very important to compare as many rates as possible if you want to find better auto insurance pricing.

A more efficient way to compare rates uses one form to return rates from many companies. The form is fast, requires less work, and makes rate comparisons a lot less work. Immediately after you send the form, it gets priced and you can choose your choice of the quotes that you receive. If you find a better price it's easy to complete the application and purchase coverage. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

To find out what other companies charge, click here to open in new window and submit the form. If you have a policy now, it's recommended that you enter deductibles and limits as close as possible to your current policy. This helps ensure you will have a rate comparison based on identical coverages.

Different people need different coverages

When it comes to choosing proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. For instance, these questions may help highlight whether you could use an agent's help.

  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Should I drop comprehensive coverage on older vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I getting all the discounts available?
  • Is my cargo covered for damage or theft?

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

Shop smart and save

As you go through the steps to switch your coverage, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

You just read a lot of information how to get a better price on auto insurance. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may even find the lowest premiums are with some of the smallest insurance companies. These companies may cover specific market segments cheaper than the large multi-state companies such as .