Tightwads Guide to Saving on Shelby Auto Insurance
Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say there are a lot of people in Shelby just like you who feel imprisoned by their auto insurance policy.
With so many choices, it can be diffult for consumers to choose the lowest price car insurance company.
It's important to take a look at other company's rates at least once a year because prices are constantly changing. Even if you think you had the best rates on your last policy there may be better deals available now. There is a lot of wrong information about auto insurance on the internet, so we're going to give you some great ways to stop overpaying for insurance.
Buying car insurance in Shelby is quite easy. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these methods. Nevertheless, Alabama consumers do need to know how companies market insurance on the web.
Save big with these discounts
Companies offering auto insurance don't always publicize every available discount very well, so the following is a list of both the well known and the harder-to-find ways to save on auto insurance.
- Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
- Low Mileage - Low mileage vehicles could qualify for better rates on cars that stay parked.
- Safety Course Discount - Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
- Discount for Good Grades - Getting good grades can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- E-sign - A few companies may give you up to $50 simply for signing online.
- Senior Citizens - Older drivers may receive better auto insurance rates.
- Club Memberships - Being a member of a professional or civic organization could trigger savings on your policy.
It's important to understand that most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it doesn't quite work that way.
For a list of providers with discount auto insurance rates in Alabama, click this link.
Comprehensive Shelby Auto Insurance Comparison Quotes
There are several ways of comparing rates from auto insurance companies in your area. The recommended way to compare insurance prices consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.
One of the best ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form saves time by eliminating separate quote forms for each company you want a rate for. Completing one form will get you price quotes from many national carriers.
A slightly less efficient method to get quotes online requires a visit to the website for each individual company to complete a price quote. For examples sake, we'll pretend you want to compare rates from , and . To get each rate you have to take the time to go to each site to input your insurance information, and that's why the first method is more popular.
To view a list of companies in Shelby, click here.
It's up to you how you get prices quotes, just compare apples-to-apples coverage limits for every company. If you use differing limits you will not be able to decipher which rate is best in Shelby. Having just a slight variation in coverage limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes gives you a better chance of getting better pricing.
The best insurance company isn't always the cheapest
When you buy insurance online, don't be tempted to sacrifice coverage to reduce premiums. Too many times, an insured dropped full coverage and found out when filing a claim that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Low-cost auto insurance is attainable both online and also from your neighborhood Shelby agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
We covered some good ideas how to get a better price on auto insurance. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a lesser-known regional company. These companies can often provide lower rates in certain areas than their larger competitors like .
