6 Top Ways to Lower Car Insurance Costs in Vestavia Hills, AL

Finding lower rates for Vestavia Hills car insurance is a challenge for people who are new to shopping for insurance online. People have so many companies to choose from that it can quickly become a ton of work to locate the lowest price in Vestavia Hills.

It's important to get comparison quotes before your policy renews since rates are constantly changing. Just because you found the lowest price six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the quickest way to get good coverage at a lower rate.

Cheap Vestavia Hills Car Insurance Comparisons

Performing a rate comparison can be exhausting if you don't know the easiest way. You could spend your day discussing policy coverages with local insurance agents in Vestavia Hills, or you could save time and use the internet to quickly compare rates.

All the larger companies participate in a marketplace that allows shoppers to complete one form, and each participating company then gives them pricing based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can't choose which companies you want pricing from. So if you prefer to pick specific insurance companies to request quotes from, we have assembled a list of car insurance companies in Alabama. Click here to view list.

However you get your quotes, ensure you're using identical quote information on every quote you get. If each company quotes mixed coverages it will be impossible to determine which rate is truly the best in Vestavia Hills. Slightly different limits could mean much higher rates. And when price shopping your coverage, having more price comparisons helps locate a better price.

Be sure to get all your discounts

Car insurance companies don't always advertise all their discounts very clearly, so we researched some of the more common as well as the least known discounts you could be receiving.

  • Homeowners Pay Less - Owning a house in Vestavia Hills can save you money because maintaining a house shows financial diligence.
  • No Claims - Claim-free drivers pay much less as compared to frequent claim filers.
  • Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • College Student - Youth drivers who are attending college and don't have a car can receive lower rates.
  • Bundle and Save - When you have multiple policies with one company you will save approximately 10% to 15%.
  • Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you could save 5% or more.

Keep in mind that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn't work that way.

For a list of companies with discount car insurance rates in Alabama, click here.

Additional detailed information is located at the Alabama Department of Insurance website. Consumers can report car insurance fraud, read industry bulletins, and read enforcement actions against agents and companies.

Affordable insurance is out there

Affordable car insurance can be sourced from both online companies in addition to many Vestavia Hills insurance agents, so compare prices from both to have the best selection. Some insurance companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

Drivers leave their current company for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent and not issuing a premium refund. Regardless of your reason, choosing a new insurance company is not as hard as you think.

As you restructure your insurance plan, it's very important that you do not reduce needed coverages to save money. In many cases, an accident victim reduced liability coverage limits only to discover later that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.