Tightwads Tips for Saving on Pelham Auto Insurance
Have you had enough of scraping the payment together each month for car insurance? Your situation is no different than millions of other consumers. There are many to buy insurance from, and although it's a good thing to have a selection, it makes it harder to compare rates.
How to Compare Auto Insurance Costs in Pelham
There are several ways you can shop for auto insurance and some are easier and takes less work. You can spend countless hours talking to insurance companies in Pelham, or you could use online quotes to achieve your goal.
The majority of car insurance companies participate in an industry program that allows shoppers to submit one quote, and each company returns a rated price based on the submitted data. This system prevents you from having to do form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.
The only drawback to getting quotes like this is you can't choose the providers you want pricing from. So if you want to select individual companies to compare prices, we put together a list of companies who write auto insurance in Alabama. Click here for list of insurance companies in Alabama.
It doesn't matter which method you choose, just double check that you are using identical coverage limits and deductibles for every quote you compare. If you enter different liability limits you can't possibly determine the best price in Pelham.
Be sure to get all your discounts
Companies that sell car insurance don't necessarily list all available discounts very clearly, so we break down some of the best known and also the lesser-known ways to save on auto insurance. If you're not getting every credit available, you're paying more than you need to.
- Memberships - Affiliation with a qualifying organization could trigger savings when buying auto insurance.
- Military Rewards - Having a family member in the military could mean lower rates.
- Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
- Homeowners Pay Less - Owning a home in Pelham may earn you a small savings because owning a home is proof that your finances are in order.
- Early Signing - Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
- Defensive Driver - Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
A little note about advertised discounts, many deductions do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky.
To see a list of insurers offering auto insurance discounts in Alabama, click this link.
Even more information can be found at the Alabama Department of Insurance website. Alabama drivers can find out which companies have the most complaints, view a list of available companies, read consumer alerts, and get help finding coverage.
