The first thing to do if you want to get the best car insurance rates in Alabama is to examine your driving habits. Do you speed? Do you drive recklessly? Are you a drink-driver?
These are the types of things that can have a huge impact on how much car insurance you pay each month. Rates can rocket if you get a speeding ticket or are convicted of another moving offense. You won’t get the best car insurance rates for many years if you are convicted of Driving Under the Influence (DUI), or Driving While Intoxicated(DWI).
Don’t worry about the little things with your insurance company. Notify only major accidents or major damage. Companies will reduce your premium if there are no accidents for six months. Other companies may require you to wait longer. However, staying accident-free can save you money.
It is better to park your car in a garage during the night than leaving it on the street. You can save money each month by having your car garaged at night.
Ask your agent to show you how much money you could save each month by purchasing a steering wheel lock, or an electronic fuel pump lock. These locks only work if a secret code or button is pressed. These devices are easy to install and affordable.
Your premiums will reflect your age, if you’re under 25 you automatically get placed in high-risk insurance categories. Your rate can be reduced by having a perfect driving record, staying on your parents’ policy (if you are able), and keeping your grades up.
Older drivers (55 and over) are considered a higher risk driver. Ask your agent if the company offers a discount if a driver’s refresher course is taken and passed. Although not all companies offer this discount or will deduct up to 10% from your monthly premium, many do.
Your agent should be notified if you are retiring and no longer drive to work each day. This will trigger a monthly decrease in your premiums.
What is your average monthly driving distance? Many people are switching to public transport and driving only when necessary. You may be eligible for a substantial Low Mileage Discount if you reduce your driving mileage to less than 500 miles per month.
If you have more than one vehicle, make sure they are all insured by the same company. This allows you to receive a Multi-Policy Discount each month.
The quickest and most effective way to lower your monthly car insurance premium is by increasing your deductible. This tactic is not recommended as your insurance company may refuse to pay the full amount. Do not promise to pay more than what you can afford.
It’s now time to search online for 3 websites that allow you to compare prices from different insurance companies. You can now fill out the forms at 3 different comparison websites using the tips and tricks you have learned. Make sure you enter the exact same information on each form so you are comparing the exact same policy.
Next, choose the lowest price company – that’s it! Now that you have done your research and compared prices, you will be able to find the lowest rates for car insurance in Alabama. You can now laugh at the bank every month, knowing you are saving money!
