Uniontown Auto Insurance For Less Than You're Paying Now

Are you overwhelmed by the wide range of auto insurance company choices in Uniontown? Many other consumers are too. Consumers have so many options available that it can turn into a ton of work to find the perfect company for you.

It's important to compare prices at least once a year because insurance rates are constantly changing. Just because you found the best rates a few years ago you may be paying too much now. There is a lot of bad advice regarding auto insurance on the internet, so we're going to give you some great ways to slash your auto insurance rates.

If you have a policy now or are shopping for new coverage, you can use these techniques to find the best rates and possibly find even better coverage. Locating affordable auto insurance in Uniontown can be fairly easy. Alabama drivers only need an understanding of the tricks to shop for auto insurance on the web.

Compare the Market for Auto Insurance in Uniontown

Most major insurance companies quote price estimates directly from their websites. Getting online rates is quite simple as you simply enter the coverage amounts you desire as detailed in the form. Behind the scenes, the company's rating system will obtain your credit score and driving record and provides a quote based on these factors.

Online quotes streamlines rate comparisons, but the work required to visit several different sites and type in the same information can be a bit tiresome and repetitive. But it's very important to perform this step if you are searching for better auto insurance pricing.

There is an easier way!

A less time-consuming method to find better auto insurance pricing uses one simple form to return rates from multiple companies. The form is fast, reduces the work, and makes comparison shopping much easier. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. It can be completed in a matter of minutes and may result in a nice savings.

To save time and find out what other companies charge, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend that you enter the limits and deductibles identical to your current policy. This way, you are getting comparison quotes based on similar coverages.

Uniontown auto insurance quote

How to Lower your Auto Insurance Rates

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Consolidate policies to earn discounts - Some companies give discounts to customers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it's in your best interest to shop around to verify if the discount is saving money. Drivers may still find a better deal by buying auto insurance from a different company.
  • Better crash test results mean better rates - Safer cars are cheaper to insure. Safer cars protect occupants better and lower injury rates means lower claim amounts and more competitive rates for policyholders.
  • Protect your assets with liability insurance - Your policy's liability coverage provides coverage in the event that a court rules you are at fault for personal injury or accident damage. Liability provides you with a defense in court up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Your car's features help determine rates - Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart your car from being stolen.
  • Adjust deductibles and save - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims could be running into the backend of another car, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket before your auto insurance pays a claim. The more expense you have to pay, the less your auto insurance will be.
  • Where you live is a factor - Choosing to live in a small town has it's advantages when insuring your vehicles. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers in populated Alabama areas regularly have congested traffic and a longer drive to work. Higher commute times can result in more accidents.
  • Do you know you're credit rating? - Your credit score is a huge factor in calculating your auto insurance rates. People with high credit scores tend to be more responsible than those with lower credit ratings. If your credit history is low, you could be paying less to insure your by improving your credit score.

These discounts can lower your rates

Companies offering auto insurance don't always publicize every available discount in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find auto insurance savings. If you aren't receiving every discount possible, you're just leaving money on the table.

  • Anti-theft System - Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Low Mileage - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Club Memberships - Participating in a civic or occupational organization could qualify you for a break on your policy.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class if offered at their school.
  • Multiple Cars - Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Multi-policy Discount - When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • No Charge for an Accident - A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.

Consumers should know that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way.

For a list of providers with discount auto insurance rates in Uniontown, follow this link.

More tips and info about auto insurance can be read at the Alabama Department of Insurance website. Alabama consumers can read consumer alerts, find disaster information, and find out which companies have the most complaints.

auto insurance in Uniontown

And the best car insurance company is...

When shopping online for auto insurance, it's not a good idea to reduce needed coverages to save money. Too many times, an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cost effective auto insurance can be sourced online as well as from independent agents in Uniontown, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don't offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Consumers leave their current company for any number of reasons including policy non-renewal, delays in responding to claim requests, questionable increases in premium and extreme rates for teen drivers. Regardless of your reason for switching companies, switching auto insurance companies is not as hard as you think.