Tested Techniques for Low-Cost Athens, AL Car Insurance

Finding lower rates for Athens car insurance can seem to be nearly impossible for consumers new to buying insurance online. People have so many options available that it can turn into a big hassle to compare prices in Athens.

Low Cost Athens Car Insurance

Getting a lower price on insurance is surprisingly easy. Consumers just need to spend a few minutes on the computer to compare rate quotes online from several insurance companies. This can be done using a couple different methods.

  1. The fastest way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This method saves time by eliminating boring form submissions to each individual car insurance company. Taking the time to complete one form gets you price quotes from several companies.It’s the quickest way to get rates.
  2. A more time consuming way to compare rate quotes consists of going to each company website to complete their respective quote request forms. For examples sake, we’ll pretend you want comparison quotes from State Farm, GEICO and Travelers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in Athens, click here.

Whichever way you use, ensure you’re using exactly the same coverages on every quote. If you have different deductibles you will not be able to determine the best price in Athens.

Be sure to get all your discounts

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance.
  • Drive Less and Save – Keeping the miles down can qualify you for better rates on cars that stay parked.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more if you qualify.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.

Drivers should understand that some credits don’t apply the the whole policy. Most only reduce individual premiums such as physical damage coverage 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 cost of coverage.

To see a list of insurers with discount car insurance rates in Alabama, click here.Athens car insurance

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions may help highlight whether or not you might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage when pulling a U-Haul trailer?
  • Which companies will insure high-risk drivers?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if I drive in a foreign country?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

More information can be found on the Alabama Department of Insurance website located here. Alabama consumers can find disaster information, learn about specific coverages, and find a variety of consumer forms.

The following articles may also be useful.

Athens AL auto insurance

Compare but don’t skimp

We’ve covered a lot of information how to compare car insurance prices online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the lowest priced car insurance comes from a smaller regional carrier.

People leave their current company for many reasons like policy cancellation, delays in paying claims, denial of a claim and even extreme rates for teen drivers. No matter why you want to switch, finding a great new company is less work than it seems.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In many instances, an accident victim reduced uninsured motorist or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.