Tightwads Guide for Saving on Tuscaloosa Auto Insurance

Perplexed by the sheer number of auto insurance companies in Tuscaloosa? Many other consumers are too. People have so many companies to choose from that it can easily become a lot of work to locate the lowest price.

Learn How to Buy Auto Insurance Cheaper

Smart consumers have a good feel for the different types of things that go into determining your auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Don’t cancel a policy without a new one in place – Allowing your auto insurance policy to lapse will be a quick way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with the Alabama department of motor vehicles.
  • Older drivers pay less – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers are statistically proven to be careless and easily distracted when driving therefore auto insurance rates are much higher.
  • Liability insurance protects assets – Liability insurance is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Lower miles equals lower premium – Driving more miles every year the higher your rate. Most insurance companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage is showing the proper vehicle usage, because it can save money.

Compare Tuscaloosa Auto Insurance Costs

Effectively comparing auto insurance prices is a ton of work if you don’t utilize the easiest way. You could waste a few hours discussing policy coverages with insurance agencies in Tuscaloosa, or you can utilize online quoting to accomplish the same thing much quicker.

Most major companies belong to a marketplace that enables customers to complete one form, and every company returns a rated price for coverage. This prevents consumers from doing quotation requests for every auto insurance company.

To compare rates now click here to open in new window.

The only downside to using this type of system is buyers cannot specifically choose which providers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of companies who write auto insurance in Alabama. Click here to view list.insurance quote Tuscaloosa Alabama

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage information on every quote you get. If each company quotes unequal deductibles or liability limits it will be next to impossible to find the best deal in Tuscaloosa.

Save money by taking advantage of these discounts

Auto insurance companies don’t always publicize every available discount very well, so here is a list both the well known as well as the least known savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.

  • Drive Safe and Save – Safe drivers can pay as much as 50% less than their less cautious counterparts.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% with a few auto insurance companies.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better auto insurance rates.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on auto insurance.
  • Distant Student – Kids in college who live away from home and don’t have a car may qualify for this discount.

Consumers should know that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurers who offer auto insurance discounts in Alabama, click this link.

More detailed Alabama auto insurance information is located at the Alabama Department of Insurance website. Visitors are able to file complaints about a company, view agent and company licensing information, view a list of available companies, and read state legal mandates and laws.

Tuscaloosa Alabama insurance prices

Cheaper insurance is a realistic goal

Insureds change insurance companies for any number of reasons including not issuing a premium refund, being labeled a high risk driver, questionable increases in premium or extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is less work than it seems.

We just showed you some good ideas how you can get a better price on auto insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the best price on auto insurance is with a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. In many cases, drivers have reduced liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at the best price while still protecting your assets.