8 Ways to Save Money on Auto Insurance in Anniston

Searching for cheap Anniston auto insurance online can be rather challenging for consumers new to price shopping online. With a ridiculous number of companies in the marketplace, how can consumers effectively compare them all to find the best pricing?

It’s a good idea to get comparison quotes on a regular basis because rates are rarely the same from one policy term to another. Even if you got the best price a few years ago you will most likely find a better rate today. Don’t believe everything you read about auto insurance on the web, but with this article, you’re going to get the easiest ways to find cheap auto insurance.

If you have car insurance now, you should be able to cut costs considerably using these tips. Pricing more affordable protection in Anniston is simple if you know the tricks. But Alabama car owners do need to know the methods companies use to market insurance on the web and use this information to your advantage.

Free Anniston Auto Insurance Quotes

All the larger auto insurance companies such as Allstate and Progressive provide price estimates online. Getting online quotes doesn’t take much effort as you simply enter your coverage information as detailed in the form. After you submit the form their system requests your credit score and driving record and returns a price based on many factors.

This simplifies rate comparisons, but the work required to visit multiple sites and complete many quote forms is repetitive and time-consuming. But it is imperative to perform this step if you are searching for lower prices.

Quote rates the easy way

A more efficient way to lower your rates is to use a quote form that gets prices from multiple companies. It’s a real time-saver, requires less work, and makes online quotes much simpler. After your information is entered, it is quoted with multiple companies and you can pick any of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and you will find out if you’re overpaying now.

To save time and compare rates now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you type in the coverages identical to your current policy. This ensures you’re receiving comparison quotes for exact coverage.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Some trigger automatically at the time of purchase, but some may not be applied and must be specially asked for before they will apply.

• Sign Early and Save – Some companies give discounts for signing up before your current policy expires. It can save you around 10%.
• Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
• New Vehicle Savings – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
• Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
• Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
• Paperless Signup – A few companies may give you up to $50 just for signing your application on their website.
• Federal Government Employee – Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
• Accident Forgiveness – Certain companies will forgive one accident without raising rates as long as you don’t have any claims for a certain period of time.

It’s important to note that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, companies don’t profit that way. Any amount of discount will reduce the cost of coverage.

To choose insurers with discount auto insurance rates in Anniston, click this link.

You may need specialized coverage

When it comes to buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions could help you determine whether you would benefit from professional advice.

• Do I benefit by insuring my home with the same company?
• Do I need PIP coverage since I have good health insurance?
• Does liability extend to a camper or trailer?
• Should I put collision coverage on all my vehicles?
• Does medical payments coverage apply to all occupants?
• What is the difference between comprehensive and collision coverage?
• Which companies will insure high-risk drivers?
• Is my vehicle covered for smoke damage?
• Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages explained

Understanding the coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision coverages – Collision coverage will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Alabama drivers have only the minimum liability required by law (25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical expenses, structural damage and loss of income. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. Alabama requires minimum liability limits of 25,000/50,000/25,000 but you should consider buying more liability than the minimum.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like X-ray expenses, hospital visits, surgery and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, hail damage, damage from getting keyed, vandalism and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

More information can be read on the Alabama Department of Insurance website found here. Alabama drivers can read consumer alerts, report car insurance fraud, find disaster information, and file complaints about a company.

Additional helpful sites include this online resource for free quotes in Alabama and CarInsuranceDIY.com.