Learn How to Find the Lowest Price on Homewood Alabama Auto Insurance

No one looks forward to buying auto insurance, especially knowing their premiums are too high. You have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, lots of choices makes it harder to compare company pricing.

You should make it a habit to shop coverage around every six months because prices change quite often. Even if you think you had the lowest rates on your last policy you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best way to find the best coverage while lowering your premiums.

Automobile Insurance Quotes in Homewood

Getting a cheaper price on insurance can be surprisingly simple. You just have to spend a few minutes on the computer to get quotes online with multiple companies. This is very easy and can be done in several different ways.

1. The recommended way to get quotes for comparison is to use a rate comparison form click to view form in new window. This form prevents you from having to do repetitive form entry for each company you want a rate for. A single, simple form compares rates .
2. A more time consuming way to analyze rates is to take the time to go to the website of each company to request a price quote. For example, we’ll pretend you want comparison quotes from Auto-Owners, State Farm and GEICO. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in Homewood, click here.
3. The most time-consuming method to get comparison rates is driving around to different Homewood agent offices. Buying insurance online makes this process obsolete unless you want the personal advice of a local Homewood agent. You can, however, comparison shop your insurance online and still use a local agent and you’ll learn how to do that later.

Which method you use is up to you, but ensure you’re using identical deductibles and coverage limits for every company. If your comparisons have differing limits it will be next to impossible to determine the best price in Homewood.

How do I know if I need professional advice?

When buying coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether or not you may require specific advice.

• Where can I get insurance after a DUI in Alabama?
• Will my rates increase for filing one claim?
• Can I rate high risk drivers on liability-only vehicles?
• I have good health insurance, so how much medical payments coverage do I need?
• Should I rate my vehicle as pleasure use or commute?
• Should I put collision coverage on all my vehicles?
• What is the minimum liability in Alabama?
• Am I covered when using my vehicle for business?
• Are split liability limits better than a combined single limit?
• Are rental cars covered under my policy?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

What if I want to buy from a local Homewood agent?

Some people just want to get advice from a local agent and that is OK! Professional agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing insurance prices online is you can get the best rates and still have an agent to talk to. Buying from local agencies is especially important in Homewood.

Once you complete this quick form, the quote information is submitted to insurance agents in Homewood who will compete for your business. You don’t have to leave your house due to the fact that quote results will go straight to your inbox. How’s that for easy!

Shown below are agents in Homewood that can give you rate quotes.

CGH Insurance Group Inc – 3490 Independence Dr, Homewood, AL 35209 – (205) 870-3535
Allstate Insurance – 3045 Independence Dr # A, Homewood, AL 35209 – (205) 870-9643
Lambert Agency – 3419 Independence Dr, Homewood, AL 35209 – (205) 871-9109
Farmers Insurance Group – 181 W Valley Ave, Homewood, AL 35209 – (205) 769-9905
Jim Wilson Insurance – 1900 27th Ave S, Homewood, AL 35209 – (205) 879-8533

Choosing an insurer should depend on more than just the premium amount. Here are some questions to ask:

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• If you have an accident, will your rates go up?
• Will their companies depreciate repairs to your car based on the mileage?
• Does the company allow you to choose your own collision repair facility?
• Is vehicle damage repaired with OEM or aftermarket parts?
• Do they receive special compensation for putting your coverage with one company over another?

Once you have received positive feedback to your questions and locked in a price quote, you’ve probably found an provider that will properly insure your vehicles.

Alabama auto insurance information

Additional information can be read on the website for the Alabama Department of Insurance found here. Alabama drivers can download brochures, view a list of available companies, and read enforcement actions against agents and companies.