How to Know You're Wasting Money for Auto Insurance in Winfield

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, there are a lot of people in Winfield just like you who feel imprisoned by their auto insurance policy.

Because you have many companies to choose from, it's difficult to locate the cheapest company.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be manually applied before being credited.

Accident Free - Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
Driver Safety - Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
Distant Student - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Passive Restraints and Air Bags - Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
Driver's Ed - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.

A little note about advertised discounts, some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

Are auto insurance companies telling the truth?

Auto insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all have a common claim about savings after switching to them. But how can every company make almost identical claims? This is how they do it.

All companies are able to cherry pick for the type of driver that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. A driver that hits that "sweet spot" receives the best rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will be quoted higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save money. That's the way companies can truthfully advertise the way they do.

This emphasizes why you should get a wide range of price quotes. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

Additional information can be read on the website for the Alabama Department of Insurance. Click here for link. Alabama consumers can read industry bulletins, discover disciplinary actions, read enforcement actions against agents and companies, and read consumer alerts.

Also read more on this online resource for auto insurance quotes in Alabama and this list of insurance agents in Winfield.

Affordable insurance is out there

Cheaper auto insurance can be bought online and with local Winfield insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.