Learn How to Pay Less and Get More for Enterprise Auto Insurance

Nobody cherishes buying auto insurance, especially when they are paying too much. Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare insurance companies to find the absolute cheapest price

If you have insurance now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Choosing the best insurance company for you in Enterprise is easy if you know what you’re doing. Alabama drivers only need an understanding of the tricks to shop for auto insurance online.

Understand what determines the rate you pay

Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that may reward you with lower auto insurance prices.

The following are a partial list of the pieces that factor into rates.

Sex matters – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Women and men cause accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets such as DWI and reckless driving.
Please use or commuting – The more miles you rack up on your car every year the higher your rates will be. Most insurance companies apply a rate based on their usage. Vehicles that are left in the garage get more affordable rates than those used for commuting. Verify your auto insurance policy is rated on how each vehicle is driven.
Higher safety ratings means cheaper insurance – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates.
Liability coverage is peace of mind – The liability section of your policy will protect you if a court rules you are at fault for causing damage or personal injury in an accident. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
Careful drivers pay lower rates – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers receive lower rates than bad drivers. Just one citation can boost insurance rates forty percent or more. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Teen drivers pay high rates – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers have a tendency to be less responsible in a vehicle therefore auto insurance rates are much higher.
Better credit means lower rates – Your credit history is a large factor in determining what you pay for auto insurance. So if your credit history is not that good, you could pay less to insure your by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores.

Cut your premium with discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
Save with a New Car – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
Good Student Discount – This discount can save 20 to 25%. This discount can apply up to age 25.
Homeowners Savings – Simply owning a home may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
Auto/Life Discount – Larger companies have a break if you buy life insurance.

It’s important to note that most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.<img class="alignright" style="padding-top:15px;" src="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-30.jpg" alt="Enterprise AL car insurance prices“/>

To choose companies with discount auto insurance rates in Alabama, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Alabama drivers can’t get away from ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the companies have a common claim that you can save if you switch your policy.

How do they all say the same thing?

Insurance companies can use profiling for the right customer that is profitable for them. For example, a profitable customer might be profiled as between 30 and 50, has no prior claims, and has a short commute. A customer who fits that profile will get the preferred rates and therefore will save a lot of money.

Potential customers who fall outside the “perfect” profile will have to pay a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently state the savings. Because of the profiling, it’s extremely important to compare many company’s rates. It is impossible to predict the company that will fit your personal profile best.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions could help you determine whether you might need an agent’s assistance.

What is covered by UM/UIM coverage?
Why am I required to buy high-risk coverage?
Does my personal policy cover me when driving my company car?
Are rental cars covered under my policy?
Do I benefit by insuring my home with the same company?
If my vehicle is totaled, can I afford another vehicle?

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 an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

More detailed Alabama auto insurance information can be read at the Alabama Department of Insurance website. Consumers can discover disciplinary actions, file complaints about an insurance agent or broker, read consumer alerts, and read enforcement actions against agents and companies.

A tidy conclusion

We just covered some good ideas how you can shop for auto insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even discover the most savings is with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

Cheaper auto insurance is available on the web and also from your neighborhood Enterprise agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.