Free Guide to Saving Money on Somerville Car Insurance Online

Overpriced car insurance can overdraw your personal savings and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill.

With consumers having so many companies to choose from, it is very difficult to choose the lowest price provider.

It's important to shop coverage around on a regular basis due to the fact that insurance rates are constantly changing. If you had the lowest rates a year ago you may be paying too much now. Starting right now, ignore everything you know about car insurance because I'm going to teach you the tricks you need to know to find better rates and still maintain coverage.

How to Lower Your Car Insurance Cost in Somerville, Alabama

There are several ways of comparing rates from local Somerville car insurance companies. The recommended way to find competitive insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to find low rates is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do repetitive form submissions to each individual car insurance company. One form submission will return price quotes from multiple companies.

A slightly less efficient method to compare rate quotes consists of visiting each individual company website to request a price quote. For example, we'll assume you want comparison quotes from , and . To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker.

To view a list of companies in Somerville, click here.

The least recommended way of comparing rate quotes is to waste gas driving to insurance agents' offices. Shopping for car insurance online makes this process obsolete unless you want the professional advice only provided by licensed Somerville agents. However, consumers can compare the best prices online and still use a local agent and you'll learn how to do that later.

It's up to you which method you use, but ensure you are comparing apples-to-apples deductibles and coverage limits for each price quote. If you compare different values for each quote you can't possibly truly determine the lowest rate in Somerville. Quoting even small variations in limits may result in large price differences. Just remember that comparing more company's prices provides better odds of finding better pricing.

Tips to Get Lower Somerville Rates

It's important that you understand the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with big savings.

The list below includes a few of the "ingredients" used by your company to calculate rates.

  • Pay less if you're married - Having a spouse actually saves money on your policy. It translates into being more mature and statistics show married drivers get in fewer accidents.
  • Theft deterrents lower rates - Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping car theft.
  • Sex matters - Statistics have proven women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. They both tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like DUI and reckless driving.
  • High crash test scores lower rates - Vehicles with good safety scores can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates.
  • High numbers of claims are not good - If you are a frequent claim filer, you can expect higher rates. Car insurance companies in Alabama award discounts to drivers who do not file claims often. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
  • Bad driving skills means higher rates - Drivers who don't get tickets get better rates than people who have multiple driving citations. Even one speeding ticket can bump up the cost by as much as thirty percent. Drivers who have severe citations like DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Take advantage of discounts

Companies don't list all their discounts very well, so we break down both the well known and also the lesser-known savings tricks you should be using.

  • Sign Online - A handful of insurance companies may give you up to $50 just for signing your application online.
  • Own a Home - Owning a house in Somerville can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Senior Citizens - Older drivers can possibly qualify for a small decrease in premiums.

Keep in mind that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it just doesn't work that way.

For a list of companies with the best car insurance discounts in Alabama, click here to view.

Additional detailed information can be found at the Alabama Department of Insurance website. Visitors are able to get help finding coverage, view a list of available companies, learn about insurance regulations, and find disaster information.

Other useful links include this site for Alabama car insurance information and see this list of insurance agents in Somerville.

Affordable insurance is out there

Affordable car insurance is possible both online as well as from independent agents in Somerville, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.

While you're price shopping online, do not reduce needed coverages to save money. In many cases, drivers have reduced uninsured motorist or liability limits only to regret they didn't purchase enough coverage. Your aim should be to purchase plenty of coverage at the best price.