Tightwads Guide to Saving on Piedmont Auto Insurance

I can't think of anyone who likes having to buy auto insurance, particularly when they are paying too much.

Having so many insurance companies to choose from, it's nearly impossible to locate the most cost effective insurance company.

This article will introduce you to the most effective way to quote insurance and some tips to save money. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But Alabama consumers do need to know how companies sell online.

How much can you save with discounts?

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. Some trigger automatically when you quote, but some may not be applied and must be asked for before you get the savings.

Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
Accident Forgiveness - Some insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if offered at their school.
Low Mileage Discounts - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
No Accidents - Good drivers with no accidents pay less when compared to drivers who are more careless.
Discount for Life Insurance - Select insurance companies reward you with a break if you buy a life insurance policy as well.
Senior Citizens - If you qualify as a senior citizen, you may receive better auto insurance rates.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like you can get free auto insurance, companies don't profit that way. But all discounts will help reduce the amount you have to pay.

How much car insurance do I need?

When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Every insured's situation is different so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from an agent's advice.

Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving on a suspended license?
I have good health insurance, so how much medical payments coverage do I need?
Is rental equipment covered for theft or damage?
Is my dog or cat covered if injured in an accident?
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 might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

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

Auto insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing that you'll save big if you change to their company. But how can every company claim to save you money? This is how they do it.

All companies have a certain "appetite" for the driver that earns them a profit. A good example of a driver they prefer might be between 25 and 40, owns a home, and drives newer vehicles. A customer getting a price quote who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Drivers who don't meet this ideal profile will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much. That is how companies can claim big savings.

This emphasizes why you should get quotes from several different companies. It's impossible to know which company will give you the biggest savings.

Much more information about auto insurance in Alabama can be read on the website for the Alabama Department of Insurance. Click here for link. Visitors are able to view a list of available companies, read consumer alerts, report car insurance fraud, and get help finding coverage.

Also read more on this page for auto insurance prices in Alabama and this page of Piedmont insurance agents.

Affordable insurance is out there

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

Discount auto insurance can be sourced both online and also from your neighborhood Piedmont agents, so you should compare both to have the best selection. A few companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.