10 Discounts Warrior Shoppers Forget when Quoting Car Insurance

Scraping up a payment for overpriced car insurance can dwindle your personal savings and force you to make sacrifices. Doing a price comparison is a great way to reduce premiums and put more money in your pocket.

Companies like GEICO and Progressive persitently shower you with advertising and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to price shop coverage quite often since rates are constantly changing. If you had the best rates last year you can probably find a better price now. You'll find quite a bit of inaccurate information about car insurance online, so I'm going to show you some great ways to quit paying high car insurance rates.

If you have car insurance now, you will be able to reduce your rates substantially using this strategy. Finding the best rates in Warrior is easy if you know what you're doing. But Alabama car owners do need to know the way insurance companies determine prices.

Are you getting all your discounts?

Companies don't necessarily list all their discounts in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.

Sign Online - Certain companies will give a small break for buying a policy and signing up digitally online.
55 and Retired - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course in high school.
Government Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
Anti-theft Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
Seat Belt Usage - Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
Drive Less and Save - Keeping the miles down could qualify for a substantially lower rate.
Anti-lock Brakes - Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
No Claims - Drivers who don't have accidents pay less as compared to accident-prone drivers.
Own a Home - Owning a house in Warrior can save you money because of the fact that having a home demonstrates responsibility.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, companies wouldn't make money that way.

To choose companies with the best car insurance discounts in Warrior, click here.

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

Car insurance companies such as State Farm, GEICO and Progressive regularly use ads on television and other media. They all seem to have a common claim that you'll save big if you move your policy. How can each company make the same claim? This is how they do it.

All companies have a preferred profile for the right customer that makes them money. A good example of a desirable insured could be a mature driver, insures multiple vehicles, and has great credit. Any new insured that hits that "sweet spot" gets the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will have to pay more money and this can result in business going elsewhere. Company advertisements say "drivers who switch" not "everybody who quotes" save that kind of money. This is how companies can advertise the savings. Because of the profiling, you should compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

Tailor your coverage to you

When buying coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's situation is unique and your policy should reflect that. For instance, these questions may help you determine whether you would benefit from professional advice.

Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
Am I covered if I drive in a foreign country?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Why am I be forced to buy a membership to get insurance from some companies?
Is my dog or cat covered if injured in an accident?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

More detailed Alabama car insurance information can be read at the Alabama Department of Insurance website. Consumers can get help finding coverage, learn about insurance regulations, download brochures, and read consumer alerts.

Shop smart and save

Budget-conscious car insurance is possible from both online companies in addition to many Warrior insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, it's a bad idea to buy poor coverage just to save money. In many cases, drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price.