Tightwads Tips for Saving on Thomasville Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us, you're not alone. Drivers have so many to buy insurance from, and although it's nice to be able to choose, too many choices makes it more difficult to compare rates.

It's important to compare prices every six months due to the fact that insurance rates are constantly changing. Even if you think you had the best rates a few years ago you can probably find a better price now. There is a lot of bad information regarding car insurance online, so I'm going to show you some great ways to quit paying high car insurance rates.

How to Lower your Car Insurance Rates

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

With age comes lower rates - Youthful drivers in Alabama have a tendency to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
Do you have enough liability coverage? - Your policy's liability coverage provides coverage if ever you are found liable for personal injury or accident damage. Liability provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Do you need those extra coverages? - There are quite a few extra coverages that you can buy when buying car insurance. Coverages for rental car reimbursement, towing coverage and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so eliminate them to save money.
Marriage brings a discount - Getting married helps lower the price when buying car insurance. It translates into being more mature and statistics show being married results in fewer claims.
Do you know your deductibles? - Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, damage from fire, and rolling your vehicle. Your deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. The more expense you have to pay, the less your car insurance will be.
Safer cars cost less to insure - Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity means lower claim amounts and thus lower rates.

Are you getting all your discounts?

Companies don't list all their discounts very clearly, so the following is a list of both the well known and also the lesser-known car insurance savings. If you're not getting every credit possible, you are paying more than you should be.

Senior Citizens - If you're over the age of 55, you may receive a small decrease in premiums.
Organization Discounts - Being a member of a qualifying organization could qualify you for a break on car insurance.
Drive Less and Save - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
Sign Online - A few companies may give you up to $50 just for signing your application over the internet.
Multiple Cars - Buying coverage for all your vehicles with the same company can get a discount on all vehicles.

Keep in mind that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn't work that way.

To choose companies with discount car insurance rates in Alabama, follow this link.

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Consumers in Alabama can't ignore all the ads that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing that you can save if you change your coverage to them.

How does each company claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the type of customer that makes them money. A good example of a desirable insured might be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. Any driver who fits that profile is entitled to the best price and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with the customer not buying. Company advertisements say "customers who switch" not "everybody who quotes" save that much money. That's the way insurance companies can advertise the way they do. Because of the profiling, you should compare many company's rates. You cannot predict which car insurance company will provide you with the cheapest rates.

Learn more about Alabama car insurance

Additional detailed information can be read at the Alabama Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, discover disciplinary actions, and get help finding coverage.

A tidy conclusion

When shopping online for car insurance, never buy poor coverage just to save money. There are many occasions where someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at the best price.

Affordable car insurance is attainable both online as well as from independent agents in Thomasville, and you should be comparing both to have the best rate selection. Some car insurance companies don't offer online price quotes and most of the time these small insurance companies sell through independent agents.

We just presented a lot of information how to save on car insurance. It's most important to understand that the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from a small mutual company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as .