Never Compare Vestavia Hills Auto Insurance Without Knowing These Money Saving Methods

Are you overwhelmed by the number of auto insurance choices in Vestavia Hills? Many other drivers are as well. Drivers have so many options that it can turn into a big hassle to find better rates.

It’s a good idea to compare rates on a regular basis due to the fact that insurance rates are usually higher with each renewal. Just because you had the lowest rates two years ago you can probably find a better price now. Block out anything you think you know about auto insurance because we’re going to demonstrate one of the quickest ways to find better coverage at a better price.

Automobile Insurance Quotes in Vestavia Hills, AL

Most major insurance companies such as Allstate and Progressive allow you to get insurance quotes on their websites. Obtaining pricing is pretty painless as you simply enter the amount of coverage you want as detailed in the form. Once entered, the company’s rating system obtains information on your driving record and credit history and returns pricing information determined by many factors.

Being able to quote online makes comparing rates easy, but the time it takes to visit multiple sites and type in the same information can get tiresome after awhile. But it is imperative to perform this step if you are searching for the lowest price.

The easy way to compare rates

An easier way to compare auto insurance pricing utilizes a single form that gets prices from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. After your information is entered, it is rated and you are able to buy any or none of the pricing results. If a lower price is quoted, you simply finish the application and buy the new coverage. It takes 15 minutes at the most and could lower your rates considerably.

In order to use this form to compare rates, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate your coverages identical to your current policy. Doing this guarantees you will be getting rate comparison quotes for exact coverage.

Lower rates by qualifying for discounts

Auto insurance companies do not advertise every discount in a way that’s easy to find, so we break down both well-publicized as well as the least known ways to save on auto insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiring. It’s a savings of about 10%.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Defensive Driver – Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • No Claims – Good drivers with no accidents pay much less when compared with accident-prone drivers.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.

Keep in mind that many deductions do not apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

Alabama auto insurance

To see a list of insurance companies with discount auto insurance rates in Vestavia Hills, click here to view.

Even more information is located at the Alabama Department of Insurance website. Visitors are able to view a list of available companies, find a variety of consumer forms, and discover disciplinary actions.