Feel like you’re a prisoner to high-priced car insurance? Trust us, there are lots of people in the same boat. There are many insurers to buy insurance from, and although it’s a good thing to have multiple companies, so many choices can make it hard to compare rates and cut insurance costs.
You should take the time to compare prices at least once a year because prices are rarely the same from one policy term to another. If you had the lowest price a year ago you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the best methods to find lower rates on car insurance.
Buying car insurance in Mobile is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Alabama vehicle owners just need to learn how to buy car insurance online.
Cheap Mobile Car Insurance Comparisons
All the larger car insurance companies provide coverage prices online. This process is pretty easy as you simply type in your coverage information into the quote form. Behind the scenes, the system pulls credit information and your driving record and generates pricing information based on many factors. Online quotes simplifies rate comparisons, but the time required to go to multiple sites and fill out multiple forms can be a bit repetitive. But it is imperative to get many rate quotes in order to get a better rate.
A more efficient way to lower your rates uses one form to return rates from more than one company. This type of form saves time, eliminates form submissions, and makes price shopping online a lot less work. As soon as the form is sent, your coverage is rated and you can select any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process takes just a few minutes to complete and you will know how your current rates stack up.
If you want to use this form to compare rates, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you duplicate the limits and deductibles exactly as they are listed on your policy. This guarantees you will get rate quotes for exact coverage.
Policy discounts you shouldn’t miss
Car insurance companies don’t list all their discounts very clearly, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you’re not getting every credit available, you’re just leaving money on the table.
- Driver Safety – Taking a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
- No Accidents – Drivers with accident-free driving histories pay less when compared to drivers who are more careless.
- Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
- Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
- Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
It’s important to note that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free car insurance policy, companies wouldn’t make money that way.
Read more about Alabama car insurance
Even more information is located at the Alabama Department of Insurance website. Alabama consumers can read industry bulletins, learn about specific coverages, and download brochures.