Learn How to Compare Enterprise Alabama Car Insurance Like a Professional

Overwhelmed by the wide range of car insurance choices in Enterprise? You have a lot of company. Consumers have so many companies to choose from that it can easily become a ton of work to find the perfect company for you.

It’s a great practice to do rate comparisons periodically since rates change quite often. If you had the best deal two years ago other companies may now be cheaper. Starting right now, forget all the misinformation about car insurance because you’re going to get a crash course in the only way to properly buy coverages and cut your premium.

Finding affordable coverage in Enterprise is not rocket science. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these tips. Alabama vehicle owners only need to know the best way to shop their coverage around over the internet.

Don’t miss out on these money-saving discounts

Companies offering auto insurance don’t always advertise every available discount very well, so we took the time to find some of the best known and the harder-to-find ways to save on car insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Drivers Education – Require your teen driver to enroll in driver’s education in high school.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Memberships – Affiliation with a civic or occupational organization could trigger savings on your policy.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts of up to 25% or more.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurance companies with discount car insurance rates in Enterprise, click here.lower rates in Enterprise Alabama

What impacts Enterprise insurance rates?

Consumers need to have an understanding of some of the elements that come into play when calculating car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Discounts for married couples – Being married helps lower the price on car insurance. It means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Higher deductibles cost less – Your deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The more expense you’re willing to pay, the less your car insurance will be.
  • Do you have a high stress job? – Occupations such as judges, business owners and dentists tend to have the highest average rates in part from stressful work requirements and long work days. Other professions such as actors, historians and the unemployed receive lower rates.
  • Do men or women drive better? – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Both sexes tend to get into accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
  • Tickets mean higher rates – Even one ticket can boost insurance rates forty percent or more. Careful drivers get better rates compared to drivers with tickets. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to keep their license.

Can you really save that much by switching?

Consumers constantly see and hear ads for car insurance savings by companies like Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise that you’ll save big if you move to them.

How can each company make the same claim?

Different companies have a preferred profile for the driver that earns them a profit. An example of a preferred risk could be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A propective insured who fits that profile will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these standards will have to pay more money which usually ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that much money. That’s why insurance companies can make the claims of big savings. Because of the profiling, drivers should compare as many rates as you can. You cannot predict which car insurance company will fit your personal profile best.

More resources for learning

Additional detailed information can be found at the Alabama Department of Insurance website. Consumers can view agent and company licensing information, learn about insurance regulations, read state legal mandates and laws, and find a variety of consumer forms.

lower rates in Enterprise Alabama

The best insurance company isn’t always the cheapest

Drivers leave their current company for any number of reasons including questionable increases in premium, policy non-renewal, high prices or not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

Cheap car insurance can be sourced from both online companies and with local Enterprise insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers do not offer online quoting and most of the time these small insurance companies sell through independent agents.

As you shop your coverage around, do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability coverage limits and learned later that they should have had better coverage. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.