Car Insurance in Roanoke - 9 Discounts You Might be Missing
Are you sick and tired of being strong-armed each month for car insurance? You are in the same boat as many other drivers in Alabama.
Big companies like GEICO and Progressive continually hit you with TV and radio ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.
It's important to do rate comparisons once or twice a year since rates are constantly changing. Even if you got the lowest rates on your last policy you may be paying too much now. So forget all the misinformation about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.
If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Roanoke is not that difficult. Although Alabama consumers do need to know the way companies price online insurance and use this information to your advantage.
How to Compare Car Insurance Costs in Roanoke
Most major insurance companies provide pricing online. Getting quotes is pretty easy as you just type in the amount of coverage you want into the quote form. Behind the scenes, the system will obtain information on your driving record and credit history and returns a price. Online quotes makes comparing rates easy, but having to visit several different sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a lower rate.
A less time-consuming method to find cheaper rates is to use a quote form that gets price quotes from several companies at one time. It's a real time-saver, requires much less work on your part, and makes quoting online a little more enjoyable. After sending your information, it gets priced and you can choose your choice of the returned quotes.
If one or more price quotes are lower than your current rates, it's easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and you will find out if you're overpaying now.
To find out how much you're overpaying now, click here and submit the form. To compare your current rates, we recommend you input the limits and deductibles as close as possible to your current policy. This way, you will receive rate comparison quotes based on similar coverages.
More discounts equal less premium
The cost of insuring your cars can be expensive, but you may find discounts that many people don't even know exist. Certain discounts will be applied at quote time, but lesser-known reductions have to be inquired about in order for you to get them.
- Senior Citizens - Older drivers may qualify for reduced rates.
- Military Rewards - Having a family member in the military could mean lower rates.
- Bundle and Save - When you have multiple policies with the same insurance company you will save up to 20% off your total premium.
- Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
- Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
- Passive Restraints and Air Bags - Factory air bags can qualify for discounts of 20% or more.
- Sign Online - Certain companies may give you up to $50 for buying your policy digitally online.
- Multi-car Discount - Having more than one vehicle on one policy qualifies for this discount.
- One Accident Forgiven - A handful of insurance companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
A little note about advertised discounts, many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce your premiums.
For a list of companies offering car insurance discounts in Roanoke, click this link.
Additional information can be found on the website for the Alabama Department of Insurance. Click here for link. Visitors are able to learn about insurance regulations, view a list of available companies, read consumer alerts, and download brochures.
The best insurance company isn't always the cheapest
When you buy insurance online, it's a bad idea to reduce needed coverages to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage for the lowest price.
The cheapest car insurance can be found both online and with local Roanoke insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
