Top 7 Ways You Can Buy Car Insurance for Less in Selma Alabama

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say you're not the only one.

You have so many to pick from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

It's important to shop coverage around every six months since rates are constantly changing. Just because you found the lowest price a few years ago a different company probably has better rates today. Don't believe everything you read about car insurance online, so we're going to give you some great ways to find cheap car insurance.

Shopping for affordable protection in Selma is easy if you know what you're doing. In a nutshell, every driver who has to buy car insurance stands a good chance to be able to save money. Nevertheless, Alabama consumers do need to know the way insurance companies sell online because it can help you find the best coverage.

How much can you save with these seven discounts?

Car insurance can cost a lot, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but a few must be manually applied prior to receiving the credit.

  • Discount for Good Grades - Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
  • No Charge for an Accident - Certain companies allow you one accident before your rates go up if you are claim-free for a certain period of time.
  • Discount for Life Insurance - Larger companies have a discount if you purchase life insurance from them.
  • Low Mileage - Fewer annual miles could be rewarded with lower rates on the low mileage vehicles.
  • Homeowners Discount - Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home shows financial diligence.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with certain companies.

It's important to understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like you could get a free car insurance policy, it doesn't quite work that way. Any qualifying discounts will bring down the amount you have to pay.

Alabama car insurance

Save 15 percent in 15 minutes? Is it for real?

Companies like State Farm and Allstate continually stream television and radio advertisements. All the ads say the same thing of big savings after switching your coverage to them. How does each company claim to save you money? It's all in the numbers.

Different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a preferred risk might be a mature driver, has no driving citations, and has a short commute. Any new insured who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't meet these standards will be charged higher prices which usually ends up with the customer not buying. The ads state "customers who switch" but not "drivers who get quotes" save that much money. That's the way insurance companies can confidently make the claims of big savings.

That is why drivers should compare many company's rates. It's just too difficult to predict which car insurance company will fit your personal profile best.

Additional car insurance information is located on the website for the Alabama Department of Insurance found here. Visitors are able to file complaints about a company, find out which companies have the most complaints, get help finding coverage, and view agent and company licensing information.

Also read more on NAIC.org's Understanding your Policy and this directory of insurance agents in Selma Alabama.

Final considerations

We just covered many ways to reduce car insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. Consumers may even find the best price on car insurance is with some of the smallest insurance companies. Regional companies can often provide lower rates in certain areas compared to the large companies like .

Low-cost car insurance can be sourced both online as well as from independent agents in Selma, and you need to price shop both so you have a total pricing picture. Some insurance providers don't offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, make sure you don't skimp on coverage in order to save money. There have been many cases where someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.