Everyone who drives in Alabama probably wants to pay less for their car insurance. Who wouldn't want to find cheaper auto insurance that still gives them the protection they need?
Today, comparing low cost car insurance in Alabama is as easy as clicking a mouse. This is because there are so many websites that let you quickly compare the price of a car insurance policy at several different insurance companies.
The real trick is to put together a car insurance policy that saves you the most money right away. If you buy that policy online, you'll save even more money, which is icing on an already delicious cake.
It's easy to put together a policy that saves you money right away. Let's start with the car you chose. Insurance costs vary from car to car. If you really want to save money on your car insurance, ask your agent for a list of the cars that are least expensive to insure.
Can you park your car overnight in a garage? If so, you'll save money on your insurance every month.
Can you add anything to your car to make it harder to steal? Talk to your agent about how much you'll save before you spend any money, but if you buy and use a device that locks your steering wheel or a simple electronic device that turns off your fuel pump, you could save a lot on your insurance each month.
File no small claims. The less often you make a claim with your insurance company, the more you will save on your insurance.
Never, ever, ever break the law. Even one speeding ticket or other moving violation will make your monthly car insurance payments a lot higher. If you are found guilty of Driving Under the Influence (DUI) or Driving While Intoxicated (DWI), your car insurance rates will be too high for at least 3 years.
Tell your agent if you've quit your job and no longer need to drive your car to and from work every day. Tell your agent if you start carpooling and drive your car less because of it.
If you can use public transportation for most of your "driving" needs and keep your actual driving to 500 miles a month or less, you may be able to get a big discount on your car insurance. This is called a "Low Mileage Discount."
If you own more than one car, you should get insurance from the same company for all of them. You'll get a discount for having more than one policy.
If you're under 25, you can get 5% off your monthly car insurance payment if you stay in school and get a "Good Student Discount" by getting at least a "B" average.
If you're 55 or older, you might be able to save 10 percent on your car insurance by taking and passing a special driver's refresher course that some companies offer. Find out from your agent if you can get this discount.
If you are a member of any kind of club, organisation, or group, ask if they offer group car insurance rates to their members. Surprisingly many clubs and groups do.
Can you pay for your deductible to go up? Increasing your deductible is a quick and easy way to lower your monthly car insurance premium, but think carefully before you do so. If you have a claim, you will have to pay whatever amount you choose as your deductible out of your own pocket. Don't say you'll pay more than you can afford.
The last step is to go online and find 3 sites that compare the prices of different auto insurance policies from different companies. Using what you've learned in this article, enter the same information carefully on 3 different comparison websites. This way, you can find out how much the same policy costs from as many Alabama insurance companies as possible.
Now, all you have to do is choose the company with the lowest price. Now that you've compared cheap car insurance in Alabama, you know you've found the best deal you can. You can sleep well tonight and every night knowing that you save money on your Alabama car insurance every single month.
