Free Guide to Cutting Costs on Dothan Alabama Car Insurance Online

Tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other Alabama consumers. Companies like Allstate, Progressive and GEICO all promote huge savings with advertising and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

It’s smart to compare rates periodically because insurance rates change regularly. Just because you found the lowest price six months ago there is a good chance you can find better rates now. You’ll find quite a bit of inaccurate information about car insurance online, so with this article, you’re going to get some excellent ideas to stop overpaying for insurance.

Fast and Easy Dothan Car Insurance Quotes

Getting a cheaper price on insurance can be relatively painless. All that’s required is to take time comparing rate quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing boring form submissions for each company you want a rate for. One form submission gets you price quotes from car insurance companies with the best prices.
  2. A different way to analyze rates is going to the website of each company and request a quote. For sake of this example, we’ll assume you want comparison quotes from Liberty Mutual, Esurance and GEICO. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in Dothan, click here.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage information for every quote you compare. If you use different limits and deductibles on each one it’s impossible to find the best deal in Dothan.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but a few need to be asked for prior to receiving the credit. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • 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 Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of providers with the best car insurance discounts in Alabama, click here.

More information can be read on the website for the Alabama Department of Insurance found here. Alabama consumers can get help finding coverage, file complaints about a company, and learn about specific coverages.

Other useful links include this online resource for car insurance quotes in Alabama and this page of insurance agents in Dothan.

A tidy conclusion

Throughout this article, we presented many tips how you can reduce car insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a small local company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

When shopping online for car insurance, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage only to regret at claim time that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Cheap car insurance is available from both online companies and also from your neighborhood Dothan agents, so you should compare both to have the best rate selection. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.