Lower Online Pisgah Car Insurance Prices With These Methods

People who are new to shopping for insurance online will discover finding the cheapest Pisgah car insurance nearly impossible.

It's important to compare prices occasionally because rates are constantly changing. Just because you had the lowest rates a couple years back you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about car insurance because you're going to learn the tricks you need to know to find lower rates on car insurance.

More discounts equal less premium

Companies offering auto insurance don't necessarily list every available discount very clearly, so we break down some of the more common and the harder-to-find ways to save on car insurance.

  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Good Student - Performing well in school can save 20 to 25%. This discount can apply until age 25.
  • E-sign - Some insurance companies will give a small break for buying your policy over the internet.
  • 55 and Retired - If you qualify as a senior citizen, you may qualify for better car insurance rates.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to take driver's ed class in school.
  • Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky.

Pisgah car insurance quote

It's not one size fits all

When it comes to buying adequate coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's situation is unique.

Here are some questions about coverages that might point out if you might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Alabama?
  • Does my policy cover me when driving someone else's vehicle?
  • Does my personal policy cover me when driving my company car?
  • Should I buy additional glass protection?
  • Is my cargo covered for damage or theft?

If it's difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Switch companies and save? Really?

Companies like Allstate and Progressive constantly bombard you with ads in print and on television. All the ads make the same claim about savings if you switch to their company. How does each company make the same claim? This is how they do it.

Different companies have a certain "appetite" for the driver that earns them a profit. For example, a preferred risk could be between 30 and 50, owns a home, and drives less than 10,000 miles a year. A customer who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Consumers who do not match these standards will be charged higher prices which leads to business going elsewhere. The ad wording is "drivers who switch" not "everyone that quotes" save that much. That is how companies can truthfully advertise the way they do. That is why you should get a wide range of price quotes. Because you never know which company will provide you with the cheapest rates.

Even more information can be found at the Alabama Department of Insurance website. Consumers can find out industry alerts, file complaints about a company, and get help finding coverage.

Pisgah car insurance quote

Do the work, save more money

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

We just showed you many ideas to reduce car insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may even discover the best prices are with a smaller regional carrier.

Cheaper car insurance is available from both online companies and also from your neighborhood Pisgah agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.