10 Guaranteed Methods to Lower Car Insurance Costs in Prichard

Having to pay for overpriced car insurance can drain your bank account and put the squeeze on your family's finances. Comparison shopping is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket. Numerous battle for your insurance dollar, and because of this it can be hard to compare to discover the definitive lowest rate

It's important to compare rates on a regular basis since rates are constantly changing. Just because you found the best rates six months ago a different company probably has better rates today. You can find a lot of wrong information about car insurance online but I'm going to show you some great ways to find cheap car insurance.

If you have a policy now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Finding the best rates in Prichard is not that difficult. Alabama consumers only need to know the best way to buy car insurance on the web.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be requested specifically prior to receiving the credit. If they aren't giving you every credit you deserve, you are throwing money away.

  • College Student - Kids in college living away from home attending college and don't have a car can be insured at a reduced rate.
  • Sign Online - Some insurance companies may give you up to $50 for buying your policy on their website.
  • Clubs and Organizations - Being a member of certain professional organizations is a good way to get lower rates on car insurance.
  • Safety Course Discount - Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy life insurance from them.
  • Senior Citizens - If you qualify as a senior citizen, you may receive better car insurance rates.
  • No Accidents - Drivers who don't have accidents pay less as compared to drivers who are more careless.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Own a Home - Owning a house in Prichard can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Government Employees - Active or retired federal employment can earn a discount up to 10% with select insurance companies.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will cut the cost of coverage.

Prichard car insurance comparison

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Consumers in Alabama get pounded daily by advertisements for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings if you change to their company.

How do they all claim to save you money? This is how they do it.

Different companies have a preferred profile for the driver that earns them a profit. A good example of a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will have to pay higher prices and ends up with the customer not buying. The ad wording is "drivers who switch" not "everybody who quotes" save that much. This is how companies can truthfully state the savings.

Because of the profiling, drivers should get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

Additional information can be read on the website for the Alabama Department of Insurance. Click here for link. Visitors are able to read enforcement actions against agents and companies, get help finding coverage, find out which companies have the most complaints, and discover disciplinary actions.

A tidy conclusion

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage and discovered at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage for the lowest price.

The cheapest car insurance can be sourced both online and also from your neighborhood Prichard agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.