Getting Cheap Wedowee Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are lots of people in the same boat.

Drivers have multiple to buy insurance from, and although it's nice to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices every six months since insurance rates are constantly changing. Even if you got the best deal last year you will most likely find a better rate today. So block out anything you think you know about auto insurance because it's time to teach you the only way to find lower rates on auto insurance.

Finding affordable coverage in Wedowee is quite easy. If you have car insurance now, you will be able to save some money using this information. Nevertheless, Alabama vehicle owners do need to know the way insurance companies price online insurance and take advantage of how the system works.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise all their discounts very clearly, so here is a list some of the best known as well as the least known discounts you could be receiving.

  • Life Insurance Discount - Larger companies have a discount if you purchase a life insurance policy as well.
  • Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Senior Discount - If you qualify as a senior citizen, you may qualify for better auto insurance rates.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Sign Online - Certain companies give back up to $50 simply for signing over the internet.
  • Drive Less and Save - Driving fewer miles can qualify you for a substantially lower rate.

It's important to understand that some credits don't apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, it doesn't quite work that way.

Alabama auto insurance quotes

Is there truth in advertising?

Auto insurance companies such as GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim of big savings if you switch to their company. How does each company say the same thing?

All companies are able to cherry pick for the driver that earns them a profit. An example of a desirable insured might be profiled as a mature driver, has no driving citations, and has great credit. A propective insured that hits that "sweet spot" gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't measure up to these standards will have to pay higher prices and this can result in business not being written. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently advertise the savings. Because of the profiling, you should get as many quotes as possible. It's not possible to predict which auto insurance company will give you the biggest savings.

More tips and info about auto insurance is available at the Alabama Department of Insurance website. Alabama drivers can file complaints about an insurance agent or broker, report car insurance fraud, read consumer alerts, and learn about insurance regulations.

Do the work, save more money

As you prepare to switch companies, it's very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Low-cost auto insurance can be found on the web and also from your neighborhood Wedowee agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.