How to Get the Cheapest Valley Auto Insurance

Buying low-cost Valley auto insurance on the internet can seem to be difficult for beginners to buying insurance on the web. With so many choices, how can consumers even start to compare every one to find the lowest rates?

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. This information will help educate you on how to get online quotes and some money-saving tips. Nevertheless, Alabama consumers do need to know how companies sell insurance online and use this information to your advantage.

compare Valley auto insurance rates

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there could be available discounts that you may not even be aware of. Some trigger automatically when you quote, but lesser-known reductions have to be manually applied before you get the savings.

  • Payment Discounts - If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Accident Waiver - A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.
  • Passive Restraints and Air Bags - Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • No Accidents - Drivers who don't have accidents can save substantially when compared to frequent claim filers.
  • Discount for Life Insurance - Larger companies have better rates if you take out life insurance.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Multiple Policy Discount - When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Defensive Driver - Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.

Consumers should know that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurance companies offering auto insurance discounts in Valley, follow this link.

Auto Insurance Prices in Valley, Alabama

The are a couple different ways of comparing rates from local Valley auto insurance companies. The recommended way to find the cheapest insurance rates is to use the internet to compare rates. This can be accomplished in a couple of different ways.

One of the best ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This method prevents you from having to do repetitive form entry for each company you want a rate for. One form submission will return quotes direct from many companies.It's the quickest way to get rates.

A slightly less efficient method to shop for auto insurance online is to take the time to go to the website of each company to complete their respective quote request forms. For instance, we'll pretend you want comparison quotes from , and . To get each rate you have to go to every website and enter your information, and that's why the first method is more popular. For a list of links to companies insuring cars in Valley, click here.

The least efficient way to compare rates is driving around to insurance agents' offices. Buying insurance online makes this process obsolete unless you have a need for the professional guidance that only a license agent can provide. You can, however, compare online quotes but buy from a local insurance agent. We'll cover that shortly.

Which method you use is up to you, but ensure you are comparing exactly the same coverages and limits on every quote you get. If you are comparing different deductibles you will not be able to determine which rate is truly the best in Valley. Just a small difference in coverage limits may result in a large different in cost. Just remember that getting more free quotes will improve the odds of getting a lower rate.

Final considerations

Consumers switch companies for any number of reasons including unfair underwriting practices, denial of a claim, poor customer service and high rates after DUI convictions. No matter why you want to switch, switching auto insurance companies is not as hard as you think.

Cost effective auto insurance is available both online and also from your neighborhood Valley agents, so you should compare both to have the best selection. Some insurance providers may not provide online quoting and these regional insurance providers work with independent agents.

We covered a lot of information how to get a better price on auto insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the most savings is with a lesser-known regional company.