Easy Ways to Pay Less on Florence Alabama Car Insurance

Purchasing affordable Florence car insurance online can seem to be difficult for people who are new to comparing rates online. Since there are so many choices, how can Florence drivers even start to compare every company to locate the best available price?

Consumers need to do rate comparisons quite often since insurance rates tend to go up over time. If you had the best price a couple years back other companies may now be cheaper. You’ll find quite a bit of inaccurate information about car insurance on the internet, so I’m going to show you some guaranteed methods to slash your car insurance rates.

If you have a current car insurance policy or are just looking to switch companies, you can use these tips to get lower rates while maintaining coverages. The purpose of this article is to help educate you on the best way to quote coverages. Alabama consumers only need an understanding of how to find the lowest price on the web.

Cut your premium with discounts

Car insurance companies do not list all available discounts in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Safe Drivers – Safe drivers can pay as much as 50% less than drivers with accidents.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off with certain companies.
  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

Vehicle Insurance Comparison

Getting better car insurance pricing can be relatively painless. Drivers just need to spend a little time to compare quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  • Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This method keeps you from doing separate quotes for every car insurance company. A single form compares rates from multiple companies. It’s the fastest way to compare.
  • A different way to analyze rates requires a visit to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s assume you want to compare Farmers, State Farm and Travelers. You would have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.

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

  • The most time-consuming way to get comparison rates to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you want the trained guidance of a local agent. It is possible to comparison shop your insurance online and still use a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but compare exactly the same information with each company. If each company quotes unequal deductibles or liability limits it will be very difficult to make an equal comparison in Florence.

One last thing about your coverage

Cost effective car insurance is attainable online as well as from independent agents in Florence, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

Alabama auto insurance

People who switch companies do it for many reasons like high prices, delays in paying claims, extreme rates for teen drivers and even poor customer service. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There are many occasions where drivers have reduced collision coverage and learned later that it was a big error on their part. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.