How to Know You’re Wasting Money for Auto Insurance in Enterprise Alabama
Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, there are lots of people in the same boat.
Drivers have so many auto insurance companies to purchase coverage from, and even though it’s nice to be able to choose, so many choices can make it hard to adequately compare rates.
It’s important to compare rates once or twice a year since insurance rates trend upward over time. If you had the lowest price a few years ago the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you’re about to learn the proper way to save on auto insurance.
Free Enterprise Auto Insurance Quotes
There are multiple methods to shop for auto insurance, and some are less labor-intensive and much quicker. You could spend the better part of a day talking to insurance companies in Enterprise, or you could save time and use the web to get rates in a matter of minutes.
Most car insurance companies take part in a program that enables customers to submit one quote, and each company then gives them pricing determined by their information. This saves time by eliminating quote forms for every auto insurance company.
To find out what other companies charge click here to open in new window.
The one disadvantage to doing it this way is you cannot specify which companies to get pricing from. If you prefer to choose individual companies to compare, we put together a list of the cheapest auto insurance companies in Alabama. Click here to view list.
It’s up to you which method you use, but make darn sure you compare identical coverages for every company. If the quotes have different liability limits you will not be able to make a fair comparison in Enterprise. Quoting even small variations in limits can result in a big premium difference. Just remember that more quotes provides better odds of finding a lower rate.
These discounts can slash auto insurance rates
Car insurance is not cheap, but companies offer discounts to help bring down the price. Most are applied at quote time, but a few need to be specially asked for prior to getting the savings.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
- Homeowners Pay Less – Simply owning a home can help you save on auto insurance because owning a home shows financial diligence.
- Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
- Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
- Drive Less and Save – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, auto insurance companies aren’t that generous. But all discounts will bring down your premiums.
Learn more about auto insurance in Alabama
Additional auto insurance information is available on the website for the Alabama Department of Insurance found here. Consumers can find out which companies have the most complaints, file complaints about a company, download brochures, and get help finding coverage.