Car Insurance in Pinson - 7 Ways to Save Money

Tired of paying out the nose each month for car insurance? You are no different than the majority of other car owners in Alabama.

Multiple compete to insure your vehicles, so it's not easy to compare every and get the best coverage at the lowest price

It's important to get comparison quotes once or twice a year since rates are constantly changing. Even if you got the lowest price on your last policy a different company probably has better rates today. There is a lot of bad information regarding car insurance on the web, but we're going to give you some great ways to find cheap car insurance.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Pinson is quite easy. Nevertheless, Alabama consumers do need to know the way insurance companies price insurance differently because it can help you find the best coverage.

Don't pay full price with these seven discounts

Companies offering auto insurance don't always list every available discount in an easy-to-find place, so we researched both the well known as well as the least known car insurance savings.

Passive Restraint Discount - Vehicles with factory air bags can get savings of up to 25% or more.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
Discount for Life Insurance - Larger companies have lower rates if you buy a life insurance policy as well.
Multiple Vehicles - Having multiple vehicles on one policy may reduce the rate for each vehicle.
Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
No Claims - Claim-free drivers pay much less compared to drivers who are more careless.
Homeowners Pay Less - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.

It's important to understand that most credits do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, it doesn't quite work that way.

The car insurance bait and switch

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads say the same thing of big savings after switching your policy. How do they all claim to save you money?

All companies can use profiling for the right customer that earns them a profit. For instance, a preferred risk might be a mature driver, has no tickets, and has great credit. Any new insured who fits that profile is entitled to the best price and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will be charged more money which usually ends up with the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that kind of money. That's why insurance companies can confidently advertise the savings. That is why drivers should get as many quotes as possible. It's just too difficult to predict the company that will fit your personal profile best.

More tips and info about car insurance is located at the Alabama Department of Insurance website. Visitors are able to find out industry alerts, view a list of available companies, file complaints about an insurance agent or broker, and report car insurance fraud.

The best insurance company isn't always the cheapest

We just covered a lot of tips how to reduce car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the best price on car insurance is with the least-expected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as .

When you buy insurance online, never skimp on coverage in order to save money. There have been many cases where an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.