Consumer Tested Strategies to Save on Woodstock Car Insurance

Paying for high-priced car insurance can overdraw your personal savings and make it hard to pay other bills. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Multiple compete for your hard-earned dollar, and because of this it can be hard to compare to get the lowest price

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that could result in big savings.

Listed below are a partial list of the pieces that factor into premiums.

Extra coverages can waste money - There are many add-on coverages that you can get tricked into buying when buying car insurance. Coverages like rental car reimbursement, accidental death and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
Where you live can impact rates - Residing in less populated areas is a positive aspect when talking about car insurance. Fewer drivers means reduced accidents as well as less vandalism and auto theft. City drivers have more traffic problems and longer commute times. More time commuting can result in more accidents.
One company can mean more discounts - Most insurers will award you with lower prices to insureds who consolidate policies with them. It's known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you're getting this discount you may still want to comparison shop to confirm you are receiving the best rates possible.
Higher deductibles cost less - Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, collision with an animal, or theft. The more the insured has to pay upfront, the bigger discount you will receive.
Battle of the sexes - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. They both are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high car insurance rates.

Compare Car Insurance Today

All major car insurance companies such as 21st Century, Allstate and State Farm provide coverage price quotes on the web. Obtaining pricing doesn't take a lot of time as you just enter your required coverages as detailed in the form. After the form is submitted, the system will obtain credit information and your driving record and returns a price quote based on these and other factors. Quoting online makes it a lot easier to compare rates but the process of having to visit many different websites and type in the same information is repetitive and time-consuming. But it's very important to have as many quotes as possible if you want to find better car insurance pricing.

The preferred way to compare car insurance pricing makes use of a single form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes quoting online much more enjoyable. Immediately after you send the form, it gets priced and you can choose any of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process just takes a couple of minutes and you will find out if you're overpaying now.

In order to find out what other companies charge, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you complete the form with as close as possible to your current policy. This makes sure you will receive rate quotes for the exact same coverage.

These discounts can lower your rates

Companies don't always advertise all available discounts in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using.

Defensive Driver - Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
Auto/Home Discount - If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Multi-car Discount - Buying coverage for more than one vehicle with the same company could earn a price break for each car.
Senior Citizens - If you're over the age of 55, you may qualify for a discount up to 10%.
Student Driver Training - Cut your cost by having your teen driver enroll in driver's education in school.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you won't be that lucky.

To choose insurers offering car insurance discounts in Woodstock, click here to view.

Are you falling for claims of savings?

21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies make an identical promise about savings if you switch your policy. How do they all claim to save you money?

All the different companies have a preferred profile for the right customer that makes them money. For instance, a profitable customer might be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any driver who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who are not a match for the "perfect" profile must pay a higher premium and ends up with the customer not buying. The ads state "people who switch" not "everybody who quotes" save that kind of money. This is how companies can truthfully advertise the way they do. This illustrates why you need to get a wide range of price quotes. You cannot predict which insurance companies will provide you with the cheapest rates.

Different people need different coverages

When buying the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone's needs are different so your insurance should reflect that For instance, these questions can help discover whether you might need an agent's assistance.

Should I rate my vehicle as pleasure use or commute?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I buy additional glass protection?
Is my cargo covered for damage or theft?
What can I do if my company won't pay a claim?

If you're not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Even more information is located at the Alabama Department of Insurance website. Visitors are able to discover disciplinary actions, view agent and company licensing information, read consumer alerts, and report car insurance fraud.

Affordable insurance is out there

Cheaper car insurance can be found both online in addition to many Woodstock insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.