Tightwads Tips for Saving on Ranburne Auto Insurance

No one in their right mind likes having to buy auto insurance, in particular when the cost is too high. You have so many to pick from, and although it's nice to have a choice, lots of choices makes it harder to compare rates.

The purpose of this post is to introduce you to the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you will be able to reduce your rates substantially using these methods. Alabama vehicle owners just need to know the most efficient way to get comparison quotes online.

Take advantage of discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but some may not be applied and must be requested specifically before you will receive the discount. If you're not getting every credit you qualify for, you're just leaving money on the table.

More Vehicles More Savings - Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
Auto/Home Discount - When you have multiple policies with the same company you may earn approximately 10% to 15%.
Federal Employees - Simply working for the federal government may qualify you for a discount depending on your company.
Life Insurance Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
Fewer Miles Equal More Savings - Keeping the miles down could qualify for a substantially lower rate.
Military Discounts - Being deployed with a military unit can result in better rates.
Theft Prevention System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
Defensive Driving Course - Taking part in a course in driver safety can save you 5% or more depending on where you live.
Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
Discount for New Cars - Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

For a list of insurers with the best auto insurance discounts in Alabama, click here.

Finding Auto Insurance in Ranburne, AL

Finding a better price on auto insurance can be surprisingly simple. Just spend a few minutes on the computer to compare quotes online with multiple companies. This can be done in a couple of different ways.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating boring form submissions to each individual auto insurance company. A single form gets you coverage quotes from all major companies.

A less efficient way to compare rate quotes consists of going to each individual company website to complete a price quote. For examples sake, let's say you want to compare , and . To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in Ranburne, click here.

However you get your quotes, make absolute certain that you use identical coverages with each company. If you use different limits and deductibles on each one it's impossible to make an equal comparison in Ranburne.

How to know if you need help

When it comes to choosing coverage for your vehicles, there isn't really a one size fits all plan. Everyone's situation is a little different and your policy should reflect that. These are some specific questions might point out whether your personal situation might need an agent's assistance.

Am I covered when driving on a suspended license?
Am I covered when driving in Canada or Mexico?
Do I have coverage for damage caused while driving under the influence?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Am I covered when pulling a rental trailer?
Does my personal auto insurance policy cover using my vehicle for business use?

If you can't answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It's fast, free and can help protect your family.

Best coverage at the best price

Budget-conscious auto insurance is definitely available online in addition to many Ranburne insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don't sacrifice coverage to reduce premiums. In too many instances, an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.