Car Insurance in Vinemont - 9 Ways to Save Money

Tired of paying out the nose each month for car insurance? You're in the same situation as many other Alabama drivers. With so many car insurance companies to choose from, it can be challenging to choose the most affordable insurance company.

It's important to compare prices before your policy renews since rates are constantly changing. Even if you got the best price last year you may be paying too much now. Ignore everything you know about car insurance because you're about to learn the tricks you need to know to lower your rates without sacrificing coverage.

Pricing affordable protection in Vinemont is quite easy. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. Alabama drivers only need an understanding of the tricks to compare company rates over the internet.

Cheap Vinemont Car Insurance Comparisons

Effectively comparing car insurance prices can take hours if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Vinemont, or you could save time and use the web for quick rates.

All the larger companies belong to a marketplace that allows shoppers to complete one form, and each company can provide price quotes for coverage. This eliminates the need for quote forms to each individual car insurance company.

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

One minor caviat to pricing coverage this way is you don't know exactly which companies you will receive quotes from. So if you prefer to pick individual companies to receive pricing from, we have a listing of car insurance companies in Alabama. Click to view list.

Which method you use is up to you, but ensure you're using apples-to-apples information with every price quote. If you use higher or lower deductibles it's not possible to find the best deal in Vinemont.

Alabama car insurance

Be sure to get all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at the time you complete a quote, but less common discounts must be asked for prior to getting the savings. If you don't get every credit available, you're just leaving money on the table.

  • Passive Restraint Discount - Vehicles with factory air bags can receive discounts of up to 25% or more.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with certain companies.
  • Multi-policy Discount - When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them before your current policy expires. It's a savings of about 10%.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • 55 and Retired - Older drivers may be able to get a small decrease in premiums.
  • Lower Rates for Military - Having a deployed family member may qualify for rate reductions.
  • Good Students Pay Less - Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.

It's important to understand that most credits do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Even though it may seem like you could get a free car insurance policy, it doesn't quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of providers who offer car insurance discounts in Alabama, follow this link.

Additional car insurance information can be found on the website for the Alabama Department of Insurance located here. Consumers can find out industry alerts, download brochures, view agent and company licensing information, and file complaints about a company.

Other useful links include NAIC.org's Understanding your Policy and this directory of Vinemont insurance agents.

A tidy conclusion

You just learned a lot of information how to lower your car insurance rates. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even find the biggest savings come from the least-expected company. Smaller companies can often provide lower rates in certain areas compared to the large companies like .

As you prepare to switch companies, don't be tempted to reduce needed coverages to save money. There have been many cases where an accident victim reduced physical damage coverage only to discover later that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.