Tightwads Lessons for Saving on Florence Alabama Car Insurance

Are you a victim of high-priced car insurance? Trust us, you are not the only one feeling buyer’s remorse.

You have multiple insurance companies to purchase coverage from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates and cut insurance costs.

Finding affordable coverage in Florence is not that difficult. Essentially every driver who is shopping for car insurance will most likely be able to find lower rates. But Alabama drivers should learn how companies price insurance differently because it can help you find the best coverage.

Compare the Market for Car Insurance in Florence

To find the best car insurance prices, there are several ways to compare rate quotes from local in Florencecar insurance companies. The fastest way to compare insurance prices involves getting comparison quotes online. This is very easy and can be done in several different ways.

The best way to find low rates is an all-inclusive rate comparison (click to open form in new window). This type of form saves time by eliminating separate quotes for every car insurance company. A single, simple form gets rate comparisons from several companies.

A less efficient way to shop for car insurance online consists of visiting each company’s website and complete a new quote form. For examples sake, we’ll pretend you want to compare GEICO, Progressive and American Family. To get each rate you have to go to every website and enter your policy data, which is why most consumers use the first method.

For a handy list of car insurance company links in Florence, click here.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverages and limits for every quote you compare. If the quotes have unequal deductibles or liability limits it will be impossible to make an equal comparison in Florence. Slightly different coverages may result in a large different in cost. Keep in mind that getting more free quotes provides better odds of finding the best price.

Lower rates by qualifying for discounts

Car insurance companies don’t list every discount very well, so we break down both the well known and the harder-to-find savings tricks you should be using.

  • Claim Free – Claim-free drivers can save substantially compared to frequent claim filers.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraints – Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Student Driver Training – Have your child successfully complete driver’s ed class in high school.
  • Homeowners Savings – Simply owning a home can save you money because owning a home shows financial diligence.
  • Accident Waiver – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.

Drivers should understand that most credits do not apply the the whole policy. Some only reduce individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way.

To choose insurers with discount car insurance rates in Florence, follow this link.

Car insurance is unique, just like you

When buying coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether or not you might need an agent’s assistance.

Alabama car insurance prices

  • Is my dog or cat covered if injured in an accident?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my medical payments coverage pay my health insurance deductible?
  • What discounts do I qualify for?
  • Do I need roadside assistance coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Even more information can be found at the Alabama Department of Insurance website. Alabama consumers can learn about specific coverages, find a variety of consumer forms, and view a list of available companies.

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