Best 7 Ways You Can Buy Auto Insurance for Less in Prattville

I can’t think of anyone who looks forward to buying auto insurance, especially knowing the price is too high.

With consumers having so many choices of insurance companies, it’s difficult to pick the most cost effective car insurance company.

Compare Quotes for Prattville Auto Insurance

All the larger auto insurance companies allow you to get coverage prices on the web. Getting online rates is pretty painless as you just enter your personal and coverage information into the quote form. When the form is submitted, the system gets credit information and your driving record and generates pricing information. This helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to do this if you are searching for the best price possible.

A quicker way to lower your auto insurance bill uses one form to get prices from a lot of companies. It saves time, helps eliminate reptitive entry, and makes quoting online much more enjoyable. After sending the form, it gets priced and you can choose any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To find out how much you’re overpaying now, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in exactly as shown on your declarations page. This helps ensure you will get rate comparison quotes for the exact same coverage.

Be sure to get all your discounts

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at quote time, but a few must be requested specifically before they will apply.

• No Accidents – Claim-free drivers can save substantially compared to bad drivers.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
• Paperless Signup – A few companies will give a small break for buying your policy over the internet.
• Employee of Federal Government – Employees or retirees of the government may qualify you for a discount depending on your company.
• Homeowners Pay Less – Simply owning a home can save you money because owning a home requires personal responsibility.
• Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
• Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.

Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, companies don’t profit that way. But any discount will help reduce your overall premium however.

For a list of insurers offering auto insurance discounts in Alabama, click here.

How do I know if I need professional advice?

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions might point out whether or not you would benefit from an agent’s advice.

• What is the minimum liability in Alabama?
• Am I covered when driving someone else’s vehicle?
• Does my medical payments coverage pay my health insurance deductible?
• Do I have coverage when using my vehicle for my home business?
• Am I covered when pulling a rental trailer?
• Does my vehicle qualify for pleasure use?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Learn about auto insurance coverages

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as loss of income, medical expenses, structural damage and funeral expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Alabama requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing more liability than the minimum.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, ambulance fees and chiropractic care. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your vehicle.

Since many Alabama drivers have only the minimum liability required by law (25/50/25 in Alabama), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, vandalism, rock chips in glass and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Additional information can be found on the website for the Alabama Department of Insurance located here. Consumers can get help finding coverage, read enforcement actions against agents and companies, and report car insurance fraud.

Other informative sites include BankRate.com’s Car Insurance: When not to Skimp and QuoteClickSave.com.