Cheaper Enterprise, AL Auto Insurance Rates in Five Minutes

If shopping for auto insurance online is new to you, it’s easy to get confused due to the large number of companies offering coverage in Enterprise.

Pricing the best auto insurance coverage in Enterprise is quite easy. Essentially every driver who is required by state law to have auto insurance will more than likely be able to lower their premiums. Nevertheless, Alabama drivers must comprehend the way companies determine prices and take advantage of how the system works.

Take discounts and save

Car insurance is not cheap, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specially asked for prior to receiving the credit.

  • Accident Waiver – Certain companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Club Memberships – Participating in certain professional organizations is a good way to get lower rates on auto insurance.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Paperless Signup – A few companies will give a small break just for signing your application on their website.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurance companies who offer auto insurance discounts in Alabama, click this link.

How do I know if I need professional advice?

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

  • Is pleasure use cheaper than using my vehicle to commute?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when using my vehicle for business?
  • Will I lose any money if I cancel my policy before it expires?
  • Does having multiple vehicles earn me a discount?
  • Does my policy cover me when driving someone else’s vehicle?
  • What if I total my vehicle and owe more than it’s worth?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I benefit by insuring my home with the same company?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

What if I want to buy from a local Enterprise agent?

Certain consumers would rather talk to a local agent and that is OK! The biggest benefit of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to. Supporting local agencies is especially important in Enterprise.

Upon completion of this simple form, your insurance data is immediately sent to local insurance agents in Enterprise who will compete for your coverage. You won’t need to even leave your home because quoted prices will be sent to your email. It doesn’t get any easier! You can find the lowest rates and work with a local agent.Enterprise car insurance prices

The different types of insurance agents

When researching a reliable agent, you must know there are a couple types of insurance agents to choose from. Agencies in Enterprise are categorized either captive or independent (non-captive).

Independent Agents

Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from at a minimum one independent agency to have the most options to choose from.Most can insure with smaller regional carriers who may have lower rates.

Shown below is a short list of independent agencies in Enterprise that can give you rate quotes.

  • Sanbuck Inc/F and M Insurance – 212 E Lee St – Enterprise, AL 36330 – (334) 347-1977
  • Alfa Insurance Corp – 1014 Rucker Blvd # D – Enterprise, AL 36330 – (334) 347-8486
Captive Insurance Agents

These agents work for only one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage. Some consumers prefer to purchase coverage from captives partially due to loyalty to the company and strong financial ratings.

Shown below is a list of captive insurance agencies in Enterprise that are able to give rate quotes.

  • Farmers Insurance Group – 1247 Rucker Blvd – Enterprise, AL 36330 – (334) 393-1306
  • Allstate Insurance – 1255 Rucker Blvd – Enterprise, AL 36330 – (334) 308-9494
  • State Farm Insurance – 806 Boll Weevil Cir # A – Enterprise, AL 36330 – (334) 347-3276

For a full directory of captive agents in Enterprise, visit this link.

Picking an insurance agency should depend on more than just the bottom line cost. Agents should be asked these questions:

  • Are there any discounts that you might be missing?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • What insurance company do they write the most business with?
  • How are claims handled?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are they able to influence company decisions when a claim is filed?
  • How long has their agency been open in Enterprise?

After receiving answers to your satisfaction for all questions you ask and a low price estimate, you have narrowed it down to an insurance agency that can adequately provide auto insurance.

The fine print in auto insurance ads

Auto insurance providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads in print and on television. They all have a common claim that you can save if you switch to their company. But how can every company claim to save you money? It’s all in the numbers.

Insurance companies can use profiling for the driver that is profitable for them. An example of a driver they prefer might be profiled as a mature driver, owns a home, and drives newer vehicles. Any driver who matches those parameters is entitled to the best price and most likely will save quite a bit of money when switching.

Drivers who fall outside the “perfect” profile must pay more money which leads to the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently advertise the way they do.

Enterprise AL car insurance quote

This illustrates why you absolutely need to get quotes from several different companies. It’s not possible to predict the company that will give you the biggest savings.

More information can be read on the Alabama Department of Insurance website found here. Alabama drivers can read state legal mandates and laws, get help finding coverage, and find out industry alerts.

In Summary

Lower-priced auto insurance can be found both online and also from your neighborhood Enterprise agents, so you should compare both so you have a total pricing picture. Some insurance providers may not provide you the ability to get quotes online and these smaller companies work with independent agents.

People switch companies for many reasons like extreme rates for teen drivers, denial of a claim, high prices and even being labeled a high risk driver. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

Throughout this article, we presented many ideas to get a better price on auto insurance. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small mutual company.