Uncover Consumer Tested Strategies to Save on Anniston Car Insurance

Sick and tired of robbing Peter to pay Paul to insure your vehicles every month? You are in the same boat as millions of other consumers. Companies like GEICO, Progressive and Allstate continually bombard you with fancy advertisements and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

How to Compare Car Insurance in Anniston, Alabama

Getting a cheaper price on insurance is not a difficult process. All you need to do is spend a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

The easiest and least time consuming way to get quotes for comparison is a comparison rater form click to view form in new window. This easy form prevents you from having to do separate quotation requests for every car insurance company. In just a few minutes this one form will return quotes from several companies.

A less efficient way to analyze rates is to manually visit each company website and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from Allstate, Farmers and American Family. To get rate quotes you would need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

For a list of links to insurance companies in Anniston, click here.

Which method you use is up to you, but be sure to compare exactly the same coverages on every quote. If you use different liability limits you can’t possibly make a fair comparison in Anniston.Car insurance in Anniston AL

Get Cheaper Rates by Understanding Pricing

It’s important that you understand the rating factors that go into determining the rates you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that can help you get lower car insurance prices.

  • Bad driving skills means higher rates – Your driving citation history has a huge affect on how much you pay. Just one ticket may increase your cost twenty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a guaranteed way to bump up your car insurance costs. Not only will rates go up, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
  • Protect your assets with liability insurance – Liability coverage will protect you if ever you are found liable for causing damage or personal injury in an accident. It provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Marriage brings a discount – Getting married actually saves money when buying car insurance. Having a spouse means you’re more mature and responsible and it’s proven that drivers who are married are more cautious.
  • With age comes lower rates – Teen drivers in Alabama tend to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • Do you know your deductibles? – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and burglary. Physical damage deductibles are how much you are willing to pay before your car insurance pays a claim. The more you have to pay, the bigger discount you will receive.

These discounts can lower your rates

Car insurance companies don’t necessarily list every available discount very well, so here is a list some of the best known and the more hidden ways to save on car insurance. If you don’t get every credit you deserve, you are paying more than you should be.

  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Government Employees – Active or retired federal employment could cut as much as 10% off with certain companies.
  • Accident Free – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Low Mileage – Keeping the miles down could be rewarded with a substantially lower rate.
  • Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Safe Drivers – Safe drivers can pay as much as 50% less than their less cautious counterparts.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.

Keep in mind that most credits do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of insurers who offer car insurance discounts in Anniston, click here to view.

And the best car insurance company is…

You just learned some good ideas how you can reduce car insurance prices online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on car insurance is with some of the lesser-known companies. These smaller insurers often have lower prices on specific markets compared to the large companies like Progressive and GEICO.

Car insurance in Anniston AL

Cheaper car insurance can be sourced from both online companies in addition to many Anniston insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Alabama car insurance information

Additional detailed information is located at the Alabama Department of Insurance website. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, find out industry alerts, and learn about specific coverages.