Comparing Cheap Opp Car Insurance

Tired of scraping the payment together each month for car insurance? Your situation is no different than many other Alabama drivers.

Drivers have multiple to pick from, and even though it's nice to have a choice, it can be more challenging to compare rates.

Choosing the best insurance company for you in Opp is not that difficult. Essentially every vehicle owner who carries car insurance will be able to reduce their rates. Although Alabama car owners do need to know how big insurance companies determine prices and apply this information to your search.

How to Compare Opp Car Insurance Rates

Most major insurance companies like Allstate, GEICO and Progressive provide coverage prices directly from their websites. The process is quite simple as you just enter into the quote form. Behind the scenes, their rating system will obtain your credit score and driving record and gives you a price quote based on many factors. This helps simplify price comparisons, but the process of having to visit each company's website and repetitively type in the same information gets old quite quickly. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

Quote rates the easy way

A less time-consuming method to lower your car insurance bill utilizes a single form to get prices from more than one company. It's a real time-saver, reduces the work, and makes online price comparison much easier to do. As soon as you send your information, it gets priced and you are able to buy any one of the returned quotes. If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

If you want to find out how much you're overpaying now, click here and input your coverage information. If you currently have coverage, we recommend you duplicate the insurance coverages as close as possible to your current policy. This way, you're receiving comparison quotes based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand the different types of things that come into play when calculating your car insurance rates. Knowing what impacts premium levels enables informed choices that could result in better car insurance rates.

  • Don't skimp on liability - The liability section of your policy will protect you if you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Rates may be lower depending on your job - Occupations such as lawyers, business owners and financial analysts tend to have higher average rates attributed to high stress levels and long work hours. Conversely, jobs such as farmers, engineers and the unemployed receive lower rates.
  • Optional equipment can affect rates - Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Where you reside plays a part - Being located in a small town is a positive aspect when it comes to car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer drivers translates into fewer accidents.
  • How's your driving record? - Whether or not you get tickets has a lot to do with how much you pay for insurance. Careful drivers receive lower rates than people who have multiple driving citations. Even one moving violation can boost insurance rates by twenty percent. Drivers with severe tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Pay less if you're married - Having a spouse actually saves money on your policy. Having a spouse means you're more responsible and it's statistically proven that drivers who are married are more cautious.
  • Bump up deductibles to save - Deductibles for physical damage represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Add-on coverages can add up - There are a lot of extra bells and whistles that you can get tricked into buying on your policy. Coverages for personal injury protection, accidental death and term life insurance may be costing you every month. These may sound like a good investment at first, but if they're wasting money eliminate them to save money.

More discounts equal less premium

Car insurance companies don't necessarily list all available discounts very clearly, so we took the time to find some of the more common and the more hidden savings tricks you should be using.

  • Club Memberships - Belonging to a qualifying organization is a good way to get lower rates when buying car insurance.
  • No Accidents - Claim-free drivers can save substantially when compared with frequent claim filers.
  • Pay Upfront and Save - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Auto/Home Discount - When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Good Students Pay Less - Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • Paperless Signup - Some insurance companies will give a small break for buying your policy over the internet.
  • Homeowners Pay Less - Owning a home in Opp can help you save on car insurance because of the fact that having a home is proof that your finances are in order.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won't be that lucky.

For a list of insurers with the best car insurance discounts in Alabama, click here to view.

Even more information can be found at the Alabama Department of Insurance website. Consumers can find out which companies have the most complaints, read industry bulletins, view a list of available companies, and view agent and company licensing information.

Other useful links include this link for Alabama car insurance quotes and this link which helps you find a Opp agent.

Final considerations

The cheapest car insurance is possible from both online companies and also from your neighborhood Opp agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for car insurance, make sure you don't reduce needed coverages to save money. In too many instances, an accident victim reduced physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.