10 Guaranteed Tricks to Lower Car Insurance Costs in Oxford Alabama

Finding better rates for Oxford car insurance is always hard for beginners to shopping for insurance online. There are so many choices that it can quickly become a lot of work to find lower rates in Oxford.

It’s smart to do rate comparisons occasionally because rates tend to go up over time. Despite the fact that you may have had the best deal last year you may be paying too much now. There is a lot of bad information regarding car insurance on the internet, so I’m going to show you some tested techniques to quit paying high car insurance rates.

Companies offer discounts so take them!

Companies offering auto insurance don’t always advertise all their discounts very well, so we took the time to find some of the best known and the harder-to-find car insurance savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Early Signing – Some insurance companies reward drivers for switching policies prior to your current policy expiration. This can save 10% or more.
  • Auto/Home Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
  • Homeowners Discount – Being a homeowner may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less than their less cautious counterparts.
  • Low Mileage Discounts – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Senior Citizens – Older drivers may be able to get reduced rates.
  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply up until you turn 25.

Consumers should know that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it just doesn’t work that way.

To choose companies with the best car insurance discounts in Oxford, click here to view.

Cheap Oxford Car Insurance Comparisons

Most companies like Allstate, GEICO and Progressive allow you to get insurance quotes on the web. Obtaining pricing is fairly straightforward as you simply enter your coverage information into a form. When complete, their system gets information on your driving record and credit history and returns a price quote determined by many factors.

Online quotes makes comparing rates easy, but the process of having to visit multiple sites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible if you are searching for a better rate.

A more efficient way to compare car insurance pricing requires only one form that gets price quotes from several companies at one time. This type of form saves time, reduces the work, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose any or none of the quotes returned. If you find a better price you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and you will find out if you’re overpaying now.

To quickly find out if lower rates are available, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you type in the limits and deductibles as shown on your current policy. This ensures you will have rate comparison quotes for exact coverage.

When might I need the advice of an agent?

When it comes to choosing coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different.Oxford Alabama insurance quotes

These are some specific questions can aid in determining whether you could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I have combined single limit or split liability limits?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverages 101

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage pay for bills like X-ray expenses, doctor visits, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability car insurance

This coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as attorney fees, medical services, bail bonds, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible. Alabama requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more coverage.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hail damage and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Oxford Alabama insurance quotes

Coverage for collisions

Collision coverage pays for damage to your vehicle caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, backing into a parked car, hitting a parking meter, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Quote more, save more

Consumers switch companies for any number of reasons including high prices, poor customer service, delays in paying claims or even high rates after DUI convictions. Regardless of your reason, switching car insurance companies can be less work than you think.

When shopping online for car insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage and learned later they didn’t have enough coverage. Your focus should be to buy enough coverage for the lowest price.

We just showed you many tips how you can lower your car insurance rates. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the best price on car insurance is with a small mutual company.