Car Insurance in Russellville, AL - 7 Tips to Save Money

Nobody I know looks forward to paying for car insurance, especially when they are paying too much.

Big-name insurance companies like GEICO and Progressive persitently shower you with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Finding the best rates in Russellville is easy if you know what you're doing. But Alabama car owners do need to know the way companies price insurance differently because it can help you find the best coverage.

Automobile Insurance Quotes in Russellville, AL

Most companies give coverage prices online. Getting quotes is quite simple as you just enter your coverage preferences as detailed in the form. When the form is submitted, their rating system will obtain your driving and credit reports and provides a quote based on these factors. Online quotes helps simplify price comparisons, but the work required to visit a lot of sites and complete many quote forms is repetitive and time-consuming. But it's very important to perform this step in order to get better car insurance pricing.

A quicker way to get multiple rate quotes is to use a quote form to get prices from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much easier. As soon as the form is sent, your coverage is rated and you can select your choice of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase coverage. This process can be completed in a matter of minutes and may result in a nice savings.

To find out what other companies charge, click here to open in new window and submit the form. If you have coverage now, it's recommended you enter coverages and limits identical to your current policy. This ensures you will receive a fair comparison for similar insurance coverage.

These seven discounts can lower your rates

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so we researched some of the more common as well as the least known car insurance savings.

  • Multiple Vehicles - Buying coverage for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • New Car Discount - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Paperless Signup - Certain companies will give a small break for buying a policy and signing up digitally online.
  • Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way.

To see a list of insurers who offer car insurance discounts in Russellville, follow this link.

Different people need different coverages

When choosing the best car insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out whether you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I still get insurance after a DUI?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Does my personal policy cover me when driving my company car?
  • Is my vehicle covered for flood damage?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

More detailed Alabama car insurance information is located at the Alabama Department of Insurance website. Consumers can report car insurance fraud, find out industry alerts, file complaints about an insurance agent or broker, and download brochures.