Pell City Car Insurance For Less Than You're Paying Now

Buying the most affordable Pell City car insurance online is challenging for beginners to comparison shopping online. With dozens of online companies available, how can you effectively compare every one to find the lowest price?

It's important to check car insurance prices on a regular basis since rates are constantly changing. Just because you had the best deal a few years ago you may be paying too much now. So just ignore everything you know about car insurance because we're going to show you the proper way to save money, get proper coverage and the best rates.

If you have insurance now or need new coverage, you can use these techniques to get lower rates and still get good coverage. The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. Alabama consumers only need to know the most effective way to find the lowest price online.

Which Car Insurance is Cheapest in Pell City, Alabama?

There are multiple methods to compare car insurance quotes, and some are easier and takes less work. You could spend your day driving to insurance agencies in Pell City, or you could save time and use online quoting to get pricing more quickly.

All the larger companies participate in an industry program that enables customers to only type in their quote data once, and each company can give them a price based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The only downside to getting quotes like this is you are unable to specify which companies you want to price. So if you want to choose specific insurance companies to compare rates, we put together a list of car insurance companies in Alabama. Click here for list of insurance companies in Alabama.

Whichever method you choose, ensure you are comparing the exact same coverages and limits for every quote you compare. If you enter different deductibles it's not possible to determine the best price in Pell City.

Pell City car insurance quote

What determines how much you pay?

It's important that you understand the factors that go into determining your car insurance rates. Understanding what impacts premium levels allows you to make educated decisions that can help you get big savings.

Listed below are some of the factors companies use to determine your rates.

  • Discounts for multiple policies - Most insurance companies give discounts to policyholders who buy several policies from them. It's known as a multi-policy discount. Discounts can be 10 percent or more. Even if you're getting this discount you still need to shop around to make sure you are getting the best deal.
  • 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. They both cause accidents at about the same rate, but men cause more damage. Men also get more serious tickets such as reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
  • Tickets mean higher rates - Good drivers have lower premiums than bad drivers. Even a single moving violation can increase rates by as much as thirty percent. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Don't get talked into coverage you don't need - There are many add-on coverages you can purchase on your policy. Coverages like personal injury protection, better glass coverage and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but if you don't need them get rid of them and save.
  • Better credit means lower rates - Your credit score is a important factor in determining what you pay for car insurance. Therefore, if your credit rating is lower than you'd like, you could be paying less to insure your by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Older drivers save more - More mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Young drivers are statistically proven to be more careless when driving therefore car insurance rates are much higher.

Don't pay full price with these discounts

Auto insurance companies don't always list every available discount in an easy-to-find place, so here is a list some of the more common as well as the least known discounts you could be receiving. If they aren't giving you every credit you deserve, you're just leaving money on the table.

  • Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Accident Waiver - A few companies will forgive one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Defensive Driver - Taking part in a driver safety course could cut 5% off your bill depending on where you live.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Good Student Discount - Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Resident Student - Youth drivers who live away from home and do not have a car may be able to be covered for less.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only cut individual premiums such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

For a list of providers offering car insurance discounts in Pell City, click here.

Even more information is available at the Alabama Department of Insurance website. Consumers can read consumer alerts, learn about insurance regulations, and file complaints about a company.

A tidy conclusion

As you shop your coverage around, you should never reduce needed coverages to save money. Too many times, drivers have reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

The cheapest car insurance is available from both online companies and with local Pell City insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance providers do not offer online quoting and many times these smaller companies only sell through independent insurance agents.

You just learned a lot of ways to lower your car insurance rates. The key thing to remember is the more quotes you get, the higher the chance of saving money. Drivers may discover the best price on car insurance is with the least-expected company.