Find Cheap Tallassee Auto Insurance

Are you intimidated by the crazy number of auto insurance options in Tallassee? You're not alone. There are so many options that it can turn into a challenge to find the best price.

Finding affordable coverage in Tallassee is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Alabama vehicle owners just need to know how to compare company rates online.

Be sure to get all your discounts

Car insurance companies don't always publicize every discount very clearly, so we took the time to find both well-publicized and the more hidden auto insurance savings. If you're not getting every credit possible, you're paying more than you need to.

Payment Discounts - If you pay your bill all at once instead of paying each month you may reduce your total bill.
Homeowners Discount - Simply owning a home may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy could earn a price break for each car.
Discount for New Cars - Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Early Signing - A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Paperwork-free - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Service Members Pay Less - Having a deployed family member could mean lower rates.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you can get free auto insurance, companies wouldn't make money that way.

To see a list of insurance companies offering auto insurance discounts in Alabama, follow this link.

How to Compare Auto Insurance Quotes in Tallassee, Alabama

There are several ways to compare auto insurance prices but some are easier and takes less work. You can waste a lot of time talking to agents in Tallassee, or you can utilize the internet to get prices fast.

Many insurance companies enroll in a system that allows shoppers to send in one quote, and each company provides a quote for coverage. This eliminates the need for quote forms to each individual auto insurance company. To submit your quote information now, click to open in new window.

The one downside to pricing coverage this way is that you can't choose which carriers to get quotes from. If you prefer to choose specific providers for rate comparison, we have a page of low cost auto insurance companies in Alabama. Click here for list of insurance companies in Alabama.

It doesn't matter which method you choose, just ensure you are comparing identical coverages and limits with every price quote. If you use different deductibles it will be next to impossible to find the best deal in Tallassee.

Tallassee Rates are Influenced by These Factors

An important part of buying insurance is that you know some of the elements that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that will entitle you to lower auto insurance prices.

Listed below are a few of the "ingredients" auto insurance companies consider when setting prices.

Equipment add-ons that lower auto insurance rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Do you know your deductibles? - Your deductibles define the amount you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and burglary. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Careful drivers pay lower rates - A bad driving record has a lot to do with how much you pay for insurance. Even one moving violation can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
More miles equals more premium - The more miles you rack up on your car in a year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance policy shows how each vehicle is driven.
Mature drivers pay less - Teen drivers in Alabama are statistically proven to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, tend to file fewer claims and are safer drivers.
Do you qualify for a multi-policy discount? - Most companies provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to ensure the best deal. You may still be able to find a better deal by buying insurance from more than one company.

Is there truth in advertising?

Alabama consumers can't get away from ads that promise big savings by State Farm, Allstate and GEICO. They all say the same thing that you'll save big if you switch to their company.

How does each company make almost identical claims?

All companies are able to cherry pick for the driver that is profitable for them. For example, a driver they prefer could possibly be over the age of 40, has no driving citations, and has a high credit rating. A customer getting a price quote who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will be quoted a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state "people who switch" but not "drivers who get quotes" save that much. That's the way companies can state the savings. This emphasizes why drivers must get as many comparisons as possible. It's impossible to know which auto insurance company will have the lowest rates.

In the end, you save

Consumers switch companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, high prices or delays in paying claims. Regardless of your reason, finding the right auto insurance provider is actually quite simple.

Budget-conscious auto insurance is available online and also from your neighborhood Tallassee agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

You just read a lot of tips how to compare auto insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even find the lowest premiums are with a company that doesn't do a lot of advertising.

More detailed Alabama auto insurance information can be found at the Alabama Department of Insurance website. Alabama consumers can view a list of available companies, report car insurance fraud, and file complaints about a company.

Additional helpful sites include this site for auto insurance rates in Alabama and this list of insurance agents in Tallassee, AL.