Top Ways to Save on Semmes Car Insurance
Tired of scraping the payment together each month for car insurance? You're in the same situation as millions of other consumers. Having so many companies to choose from, it's difficult to locate the lowest price provider.
It's important to check car insurance prices once or twice a year because rates are constantly changing. Even if you think you had the best deal a year ago you will most likely find a better rate today. Starting now, forget all the misinformation about car insurance because you're going to learn the only way to save money, get proper coverage and the best rates.
Take advantage of discounts
Car insurance companies do not advertise all their discounts very well, so here is a list some of the more common as well as the least known car insurance savings. If you don't get every credit available, you are throwing money away.
- Homeowners Pay Less - Owning a house in Semmes may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
- Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
- Safety Course Discount - Successfully completing a driver safety course could save 5% or more if you qualify.
- Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
- Discount for Swiching Early - Some insurance companies reward drivers for switching to them prior to your current policy expiring. The savings is around 10%.
It's important to note that most credits do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, you're out of luck.
Are car insurance companies telling the truth?
Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like State Farm, GEICO and Progressive. They all seem to say the same thing that you can save if you change to them.
But how can every company make the same claim?
Insurance companies can use profiling for the type of driver that earns them a profit. An example of a desirable insured could be over the age of 50, has no tickets, and has excellent credit. A customer who fits that profile will get the preferred rates and most likely will save a lot of money.
Consumers who don't qualify for this ideal profile will have to pay higher prices which usually ends up with business going elsewhere. The ads state "customers that switch" not "people who quote" save money. That's why insurance companies can make those claims. Because of the profiling, you should compare as many rates as you can. Because you never know the company that will have the lowest rates.
More Alabama car insurance information
Additional detailed information is available at the Alabama Department of Insurance website. Consumers can get help finding coverage, view a list of available companies, discover disciplinary actions, and find out industry alerts.
Also read more on this page for Alabama car insurance and this page for help finding agents in Semmes, AL.
And the best car insurance company is...
Lower-priced car insurance is attainable from both online companies and with local Semmes insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
While you're price shopping online, do not buy lower coverage limits just to save a few bucks. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. Your aim should be to get the best coverage possible at a price you can afford.
