Things You Must Know Before Shopping for Dothan Alabama Auto Insurance Online

Comparison shopping for Dothan auto insurance can be nearly impossible for consumers new to buying insurance online. People have so many companies to choose from that it can turn into a lot of work to compare prices in Dothan.

Consumers need to check auto insurance prices periodically because insurance rates change quite often. Even if you think you had the best rates a couple years back there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance on the web, but I’m going to show you the best ways to find cheap auto insurance.

Automobile Insurance Quotes in Dothan

There are several ways to shop for auto insurance, and some are more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in Dothan, or you can stay home and use the web to quickly compare rates.

Most of the best insurance companies belong to a marketplace where prospective buyers enter their policy data once, and every company then returns a price quote based on that information. This prevents consumers from doing form submissions to each company.

To find out what other companies charge click here (opens in new window).

The single downside to using this type of form is you can’t choose which carriers to receive prices from. So if you want to select specific providers to compare prices, we have assembled 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 ensure you’re using the exact same deductibles and coverage limits for every quote you compare. If each company quotes different limits and deductibles on each one then you won’t be able to determine the lowest rate in Dothan. Just a small difference in coverage limits may result in a large different in cost. It’s important to know that comparing a large number of companies provides better odds of finding the best rates.

Verify you’re getting all your discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked about before they will apply.

• Senior Discount – Mature drivers may receive a discount up to 10%.
• Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
• Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
• E-sign – A handful of insurance companies give back up to $50 for buying your policy digitally online.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
• Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less than drivers with accident claims.
• Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
• No Claims – Claim-free drivers pay less as compared to frequent claim filers.

It’s important to note that some credits don’t apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will help reduce your overall premium however.

For a list of providers with the best auto insurance discounts in Alabama, click here to view.

When might I need the advice of an agent?

When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

• Will I be non-renewed for getting a DUI or other conviction?
• Am I getting all the discounts available?
• Do I have any recourse if my insurance company denies a claim?
• Do I need PIP (personal injury protection) coverage in Alabama?
• Can I afford to pay high deductible claims out of pocket?
• Does my personal auto insurance policy cover using my vehicle for business use?
• Does my personal policy cover me when driving my company car?
• Is my custom paint covered by insurance?
• Do I qualify for additional discounts?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

More information can be read on the Alabama Department of Insurance website through this link. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, find out which companies have the most complaints, and learn about specific coverages.