How to Find Low-Cost Rockford Car Insurance

If online car insurance comparisons are new to you, you may be overwhelmed by the hoards of car insurance companies competing for business in Rockford.

It's important to do rate comparisons occasionally due to the fact that insurance rates are constantly changing. Even if you got the best rates a few years ago there is a good chance you can find better rates now. You can find a lot of misleading information regarding car insurance online, so I'm going to show you some great ways to reduce your car insurance bill.

Why some people pay less for insurance in Rockford

Consumers need to have an understanding of some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that may reward you with better car insurance rates.

  • Where you live can impact rates - Living in a small town can be a good thing when talking about car insurance. City drivers regularly have much more traffic and longer commute times. Lower population means fewer accidents and a lower car theft rate.
  • Your credit rating is important - Credit history is a huge factor in determining your rates. If your credit score is not that good, you could save money insuring your by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Consolidate policies to earn discounts - Many companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you're getting this discount it's in your best interest to comparison shop to make sure you are getting the best deal.
  • Liability coverage is cheap - Liability coverage is the coverage that protects you if ever you are found liable for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Alabama car insurance quotes

Automobile Insurance Quotes in Rockford, AL

All major car insurance companies provide pricing directly from their websites. Obtaining pricing is pretty easy as you just type in your coverage preferences as detailed in the form. After the form is submitted, the system will obtain your credit score and driving record and provides a quote determined by many factors.

This makes comparing rates easy, but the work required to visit several different sites and type in the same information gets old quite quickly. But it's very important to do this if you want to find better car insurance pricing.

Quote rates the easy way

The preferred way to get multiple rate quotes makes use of a single form that obtains quotes from more than one company. The form is fast, reduces the work, and makes online price comparison much easier. As soon as you send your information, it gets priced and you can select any or none of the resulting price quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

In order to find out what other companies charge, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you duplicate coverages and limits as close as possible to your current policy. This makes sure you're receiving comparison quotes for the exact same coverage.

These discounts can lower your rates

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but some may not be applied and must be manually applied before being credited. If you don't get every credit you qualify for, you are paying more than you should be.

  • Bundle and Save - If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Anti-lock Brake Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • College Student - Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • Payment Method - If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Driver's Ed - Cut your cost by having your teen driver complete a driver education course if it's offered in school.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To choose companies who offer car insurance discounts in Alabama, follow this link.

Are you falling for claims of savings?

Consumers in Alabama can't ignore all the ads for cheaper car insurance by companies like GEICO, State Farm and Progressive. They all seem to say the same thing about savings after switching to them.

But how can every company claim to save you money? This is how they do it.

Different companies have a certain "appetite" for the type of driver that makes them money. A good example of a desirable insured might be between 30 and 50, owns a home, and drives less than 7,500 miles a year. Any driver who fits that profile gets the lowest rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save money. That is how companies can truthfully advertise the way they do.

Because of the profiling, you need to get quotes from several different companies. You cannot predict which company will provide you with the cheapest rates.

Different people need different coverages

When buying coverage for your vehicles, there really is no perfect coverage plan. Everyone's situation is unique.

For instance, these questions might point out whether you might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Alabama?
  • Do I need special endorsements for business use of my vehicle?
  • What can I do if my company won't pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don't know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Additional information can be read on the Alabama Department of Insurance website. Click here for link. Visitors are able to view agent and company licensing information, find out industry alerts, and read consumer alerts.

Other informative sites include Wikipedia and this Rockford agent directory.

Rockford car insurance quote

And the best car insurance company is...

When shopping online for car insurance, do not reduce coverage to reduce premium. In many instances, an insured cut collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find for the lowest price.

Cheaper car insurance can be purchased both online and with local Rockford insurance agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for any number of reasons including policy non-renewal, policy cancellation, not issuing a premium refund or even questionable increases in premium. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.