Proven Ways to Save on Weaver Auto Insurance

No one in their right mind likes having to buy auto insurance, in particular when their premiums are through the roof. Having so many companies to choose from, it can be diffult for consumers to choose the right insurance company.

It's important to get comparison quotes periodically because insurance rates are constantly changing. Just because you had the lowest rates last year you may be paying too much now. So forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to save on auto insurance.

How to Get Weaver Auto Insurance Comparison Quotes

Getting better auto insurance pricing is not a difficult process. Just spend a few minutes on the computer getting comparison quotes from different insurance companies. This can be accomplished in a couple of different ways.

The first (and easiest) way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate forms for every auto insurance company. Just one form will return quotes from several companies.

A less efficient way to compare rate quotes is to take the time to go to each company website to complete a price quote. For examples sake, let's say you want to compare , and . To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is more popular. To view a list of companies in Weaver, click here.

The most time-consuming method to compare rates is to drive around to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the professional advice of a local agent. It is possible to compare the best prices online and still use a local agent.

However you get your quotes, be sure to compare apples-to-apples coverages and limits for every company. If the quotes have different deductibles it's impossible to decipher which rate is best in Weaver.

Understand what determines the rate you pay

It's important that you understand the factors that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get lower auto insurance prices.

The type of vehicle makes a difference - The type of car you drive makes a substantial difference in the rate you pay. The lowest rates are usually for economy passenger cars, but there are many factors that impact the final cost.
Traffic violations increase rates - Even a single moving violation may increase your cost twenty percent or more. Drivers with clean records have lower premiums than bad drivers. Drivers who get serious violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state DMV in order to continue driving.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. Safer cars have better occupant injury protection and lower injury rates means less money paid by your insurance company passed on to you as lower rates.
An active claims history can cost you - Insurance companies in Alabama generally give discounts to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is designed for larger claims.

Take advantage of discounts

Car insurance can cost a lot, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at quote time, but lesser-known reductions have to be asked for in order for you to get them. If you don't get every credit you qualify for, you're just leaving money on the table.

Early Signing - Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
Federal Employees - Simply working for the federal government can save as much as 8% with certain companies.
Life Insurance Discount - Some companies give a break if you buy a life insurance policy as well.
Accident Forgiveness - Some insurance companies will forgive one accident without raising rates if you are claim-free prior to the accident.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears it's possible to get free car insurance, it just doesn't work that way. But any discount will help reduce your overall premium however.

For a list of providers offering auto insurance discounts in Alabama, click here.

How to know if you need help

When it comes to choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone's situation is a little different and your policy should reflect that. These are some specific questions may help highlight whether your personal situation may require specific advice.

Does my car insurance cover rental cars?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I have coverage for damage caused while driving under the influence?
What are the financial responsibility laws in Alabama?
Does my policy cover me when driving someone else's vehicle?
Should I buy only the required Alabama minimum liability coverage?

If you can't answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and can help protect your family.

More information can be found on the website for the Alabama Department of Insurance located here. Alabama consumers can learn about specific coverages, file complaints about a company, find disaster information, and download brochures.

Other useful links include III.org's auto insurance page and this directory of insurance agents in Weaver Alabama.

And the best car insurance company is...

In this article, we presented a lot of techniques to lower your auto insurance rates. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like .

As you prepare to switch companies, do not reduce needed coverages to save money. There have been many cases where someone dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.