Free Guide to Cutting Costs on Thorsby Auto Insurance Online

Having to pay for overpriced auto insurance can empty your checking account and force you to prioritize other expenses. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income. Having so many options when it comes to auto insurance, it can be challenging to find the lowest cost car insurance company.

It's important to compare rates yearly because prices are constantly changing. If you had the lowest rates a few years ago there is a good chance you can find better rates now. Starting now, ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to properly buy coverages and cut your premium.

Finding the best rates in Thorsby is quite easy. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. Alabama drivers only need an understanding of the most efficient way to buy auto insurance online.

You have some control over your rates

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.

The list below includes a few of the "ingredients" auto insurance companies consider when setting rates.

Teen drivers pay high rates - Youthful drivers in Alabama tend to be more careless when driving so auto insurance rates are higher. Parents adding a youthful driver to your auto insurance policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
Drive less and save money - The more you drive in a year's time the more you will pay for auto insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos not used for work or commuting qualify for better rates than vehicles that are driven to work every day. Ask your agent if your auto insurance policy properly reflects the correct driver usage.
High numbers of claims are not good - If you are a frequent claim filer, you can expect higher rates. Car insurance companies in Alabama give discounts to policyholders who are claim-free. Insurance coverage is intended for the bigger claims that can't be paid out-of-pocket.
Discounts for multiple policies - The majority of auto insurance companies will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to comparison shop to ensure the best deal.
Being married can save on auto insurance - Having a spouse actually saves money on your auto insurance policy. It means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

Compare Auto Insurance Today

All major auto insurance companies quote prices on the web. This process is quite easy as you just type in your required coverages as detailed in the form. After the form is submitted, the system will obtain your driving and credit reports and generates a price based on these factors. This simplifies rate comparisons, but the time required to go to several different sites and enter the same data into a form is repetitive and time-consuming. But it's very important to perform this step if you are searching for the best price on auto insurance.

The preferred way to compare auto insurance pricing uses one form that gets price quotes from several different companies. The form is fast, eliminates repetitive work, and makes quoting online much simpler. After sending the form, it is quoted and you are able to buy any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It takes less than 15 minutes and may result in a nice savings.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you complete the form with the limits and deductibles identical to your current policy. This makes sure you will receive rate comparison quotes for the exact same coverage.

Are you getting all your discounts?

Companies offering auto insurance do not advertise all their discounts very well, so we break down both the well known and the harder-to-find ways to save on auto insurance. If you don't get every credit you deserve, you are paying more than you should be.

College Student - Any of your kids who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Government Employees - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
Accident Waiver - Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don't have any claims for a particular time prior to the accident.
Bundle and Save - If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
Passive Restraints and Air Bags - Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
No Accidents - Drivers who don't have accidents can save substantially as compared to accident-prone drivers.

Consumers should know that many deductions do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don't profit that way.

To choose companies with the best auto insurance discounts in Alabama, click this link.

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

Consumers in Alabama can't ignore all the ads for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim of big savings if you move to their company.

But how can every company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the driver that makes them money. For example, a desirable insured might be between the ages of 30 and 50, has no prior claims, and has a short commute. A customer getting a price quote who matches those parameters receives the best rates and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will have to pay a more expensive rate which leads to the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. This is how insurance companies can confidently make the claims of big savings. Because of the profiling, you need to get a wide range of price quotes. It's impossible to know which insurance companies will fit your personal profile best.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every insured's situation is different so this has to be addressed. For instance, these questions can help discover whether you might need an agent's assistance.

Do I pay less if my vehicle is kept in my garage?
Can I still get insurance after a DUI?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
What are the best liability limits?
Should I drop comprehensive coverage on older vehicles?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

More tips and info about auto insurance can be found at the Alabama Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, file complaints about an insurance agent or broker, download brochures, and read consumer alerts.

Other informative sites include this Car Insurance FAQ and this page of insurance agents in Thorsby.

In the end, you save

As you shop your coverage around, do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage for the lowest price.

Cost effective auto insurance is definitely available both online and also from your neighborhood Thorsby agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.