Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are many Mobile consumers feeling the pinch from expensive auto insurance.
With consumers having so many choices, it’s difficult to find the right provider.
Consumers should take time to check auto insurance prices before your policy renews because prices tend to go up over time. Just because you had the best deal two years ago you can probably find a lower rate today. So just block out anything you think you know about auto insurance because you’re going to get a crash course in the easiest way to save money, get proper coverage and the best rates.
It’s important that you understand the factors that help determine your auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that can help you get lower auto insurance prices.
The following are a partial list of the pieces used by your company to calculate your rates.
Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few must be requested specifically prior to getting the savings.
Consumers should know that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will help reduce your premiums.
To see a list of providers who offer auto insurance discounts in Alabama, follow this link.
Some consumers would rather talk to a local agent and that is OK! One of the best bonuses of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to. And providing support for local businesses is important especially in Mobile.
To help locate an agent, after submitting this simple form, your insurance coverage information is submitted to participating agents in Mobile who will compete for your coverage. You won’t need to even leave your home because quoted prices will be sent directly to your email. How’s that for easy! It’s the lowest rates and a licensed agent to work with.
When finding local Mobile agents, you need to know there are two different agency structures that you can select. Agents can either be captive or independent (non-captive).
These agents do not work for one specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When comparison shopping, we recommend you contact at least one independent agent to have the most options to choose from.
Owens Insurance – 1428 Hillcrest Rd – Mobile, AL 36695 – (251) 633-6363
Erdman-Vernado Insurance – 6920 Airport Blvd # 119 – Mobile, AL 36608 – (251) 342-0081
Mulroy Agency – 2754 Dauphin St – Mobile, AL 36606 – (251) 479-1500
Darling Agency Inc – 816 Azalea Rd – Mobile, AL 36693 – (251) 661-3098
Ashland General Agency – 1000 Hillcrest Rd # 200 – Mobile, AL 36695 – (251) 639-5102
Captive insurance agents are contracted to one company such as Farmers Insurance or State Farm. They are unable to compare other company’s rates so keep that in mind. They are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
The following are Mobile captive insurance agencies who can help you get price quote information.
State Farm Insurance – 7695 Cottage Hill Rd # A – Mobile, AL 36695 – (251) 633-0410
Farmers Insurance Group – 662 Spring Hill Ave – Mobile, AL 36602 – (251) 433-3111
Allstate Insurance – 327 S Sage Ave – Mobile, AL 36606 – (251) 476-2606
Liberty Mutual Insurance – 6417 Hillcrest Park Ct # I – Mobile, AL 36695 – (251) 634-9430
For a complete listing of captive agents in Mobile, please click here.
Choosing an insurance agency shouldn’t rely on just the price. These questions are important to ask:
Once you have acceptable answers and an acceptable price quote, chances are good that you have found an insurance agency that meets your needs to provide auto insurance coverage.
Companies like Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. All the ads have a common claim that you can save if you change your coverage to them. But how can every company claim to save you money? This is how they do it.
Different companies can use profiling for the type of customer that is profitable for them. For instance, a profitable customer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. A driver who fits that profile is entitled to the best price and is almost guaranteed to save a lot of money.
Potential insureds who are not a match for the “perfect” profile will be charged a higher premium and this can result in business going elsewhere. Company advertisements say “customers that switch” not “people who quote” save that much money. That’s why companies can state the savings.
That is why you need to compare as many rates as you can. Because you never know which auto insurance company will give you the biggest savings.
Additional information is available on the website for the Alabama Department of Insurance. Click here for link. Alabama consumers can find a variety of consumer forms, view a list of available companies, and download brochures.
You just read a lot of ways to compare auto insurance prices online. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a small mutual company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.
When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an insured dropped liability coverage limits and learned later that it was a big error on their part. The aim is to purchase plenty of coverage at the best price while still protecting your assets.