Car Insurance in Prattville Alabama - 5 Tricks to Save Money
Finding affordable Prattville car insurance on the internet can seem to be rather challenging for people who are new to comparison shopping online. When there are so many insurance companies available, how can consumers possibly compare them all to find the lowest rates?
Buying car insurance in Prattville is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Alabama drivers only need an understanding of the most effective way to get comparison rates over the internet.
Save big with these 5 discounts
Companies offering auto insurance don't list every discount very clearly, so we researched both the well known as well as the least known car insurance savings. If you're not getting every credit you deserve, you are paying more than you should be.
- Payment Method - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
- Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a set time period.
- Discount for Life Insurance - Larger companies have a discount if you purchase life insurance.
- Multiple Policy Discount - If you insure your home and vehicles with the same company you could get a discount of at least 10% off all policies.
- Early Switch Discount - Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It's a savings of about 10%.
It's important to understand that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, it doesn't quite work that way.
To choose insurance companies who offer car insurance discounts in Alabama, follow this link.
Car insurance ads bend the truth
Consumers in Alabama can't ignore all the ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all say the same thing of big savings after switching to them.
How does each company claim to save you money?
Insurance companies have a preferred profile for the type of driver that makes them money. For instance, a driver they prefer might be a mature driver, insures multiple vehicles, and drives less than 10,000 miles a year. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when switching.
Drivers who fall outside these standards will be quoted higher premiums which usually ends up with the customer not buying. The ad wording is "customers that switch" not "people who quote" save money. This is how insurance companies can confidently advertise the way they do. This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.
For more Alabama car insurance information
More tips and info about car insurance is located at the Alabama Department of Insurance website. Visitors are able to view a list of available companies, get help finding coverage, and view agent and company licensing information.
Other informative sites include this site for car insurance rates in Alabama and this list of insurance agents in Prattville, AL.
In the end, you save
Consumers change insurance companies for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, delays in paying claims or even policy non-renewal. Whatever your reason, choosing a new insurance company is easier than you think.
Low-cost car insurance can be purchased both online and with local Prattville insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies do not offer online price quotes and these small, regional companies work with independent agents.
As you go through the steps to switch your coverage, make sure you don't buy poor coverage just to save money. There have been many situations where drivers have reduced liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.
