Auto Insurance Rate Quotes in Helena

Overpriced auto insurance in Helena can overdraw your funds and force you to cut corners elsewhere. Performing a rate comparison is a smart way to ensure you are getting the best deal.

Regrettably, over 70% of consumers have stayed with the same insurance company for over three years, and practically 40% of auto insurance customers have never shopped around. Many drivers in Helena can save hundreds of dollars each year just by comparing rates, but most just don't grasp the amount of savings they would get if they switched.

You have multiple insurance companies to buy insurance from, and even though it's nice to be able to choose, it can be more difficult to find the lowest cost provider.

You should make it a habit to get comparison quotes before your policy renews due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the best rates on auto insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because I'm going to teach you one of the easiest ways to remove unneeded coverages and save money.

Buying affordable auto insurance in Helena is easy if you know what you're doing. In essence, each driver who carries auto insurance will more than likely be able to cut their insurance bill. But Alabama consumers can benefit from knowing the methods companies use to sell insurance online and use it to your advantage.

Quote Helena auto insurance online

To find the best auto insurance rates, there are several ways to obtain and compare prices from many different Alabama insurance companies. The best method to find cheaper rates is simply to get online rate quotes.

Comparing rate quotes online is fast and free, and it replaces the need to spend time driving to insurance agencies in your area. Comparing auto insurance rate quotes online eliminates this option unless you have a complicated situation and need the professional assistance of an agent trained in personal lines coverage. It is possible with some companies comparison shop online but have a local Helena agent actually write the policy. It's important to know that comparing more quotes gives you a better chance of getting the best offered rates.

The providers in the list below are our best choices to provide free quotes in Alabama. If multiple providers are shown, it's a good idea that you get rate quotes from several of them to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Helena
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $980 $490 $82
Dodge Grand Caravan SXT $1,226 $613 $102
Dodge Ram Quad Cab ST 4WD $974 $487 $81
Ford Escape Limited 2WD $756 $378 $63
Ford F-150 Lariat King Ranch 2WD $938 $469 $78
Ford Focus S 4-Dr Sedan $1,040 $520 $87
GMC Sierra SLE Regular Cab 4WD $1,454 $727 $121
Honda Accord EX 2-Dr Coupe $1,316 $658 $110
Honda CR-V EX-L 4WD $972 $486 $81
Honda Civic LX 2-Dr Coupe $1,302 $651 $109
Nissan Altima 3.5 SR 4-Dr Sedan $966 $483 $81
Nissan Rogue S AWD $934 $467 $78
Toyota Camry XLE $842 $421 $70
Toyota Corolla LE $974 $487 $81
Toyota Prius $736 $368 $61
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in zip code location which can impact prices significantly.

Policy deductibles

The chart below demonstrates how choosing different deductibles and can affect Honda Accord annual premium costs for each different age group. The prices are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you buy full coverage?

The chart below illustrates the comparison of Chevrolet Malibu insurance premiums with full physical damage coverage compared to only buying liability only. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, married female driver, and no additional discounts are factored in.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no clear-cut formula of when to phase out physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's pretend your Chevrolet Malibu replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying your policy deductible. If premium cost is more than $600 annually to have full coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not advised. If you still have a loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

Choosing deductibles

The hardest decision when buying coverage is how high should your deductibles be. The premium rates below outline the costs and benefits of buying low and high insurance deductibles. The first set of prices uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $228 $360 $338 $20 $100 $1,071 $89
Acadia SL AWD $260 $360 $338 $20 $100 $1,103 $92
Acadia SLE 2WD $260 $360 $338 $20 $100 $1,103 $92
Acadia SLE AWD $260 $440 $338 $20 $100 $1,183 $99
Acadia SLT 2WD $260 $440 $338 $20 $100 $1,183 $99
Acadia SLT AWD $294 $440 $338 $20 $100 $1,217 $101
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GMC Acadia insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $140 $228 $338 $20 $100 $826 $69
Acadia SL AWD $160 $228 $338 $20 $100 $846 $71
Acadia SLE 2WD $160 $228 $338 $20 $100 $846 $71
Acadia SLE AWD $160 $276 $338 $20 $100 $894 $75
Acadia SLT 2WD $160 $276 $338 $20 $100 $894 $75
Acadia SLT AWD $182 $276 $338 $20 $100 $916 $76
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in specific zip code location which can lower or raise rates significantly.

Based on the above data, using a $250 deductible will cost in the ballpark of $22 more each month or $264 each year than quoting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 34 months between claim filings, you would save more money going with the higher deductible. The table below illustrates the way you can make your own decision.

Average monthly premium for $250 deductibles: $95
Average monthly premium for $1,000 deductibles (subtract): - $73
Monthly savings from raising deductible: $22
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 34 months

Auto insurance is not optional but you don't have to overpay

Despite the high cost of buying insurance in Helena, auto insurance serves a purpose in several ways.

The benefits of having auto insurance more than offset the price you pay, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is overpaying more than $830 a year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.

Seven things that influence your rates

Lots of factors are taken into consideration when you get a price on insurance. Most are fairly basic such as traffic violations, but others are not quite as obvious such as your marital status or how financially stable you are. Consumers need to have an understanding of some of the things that help determine car insurance rates. When consumers understand what determines premiums, this empowers consumers to make smart changes that may result in much lower annual insurance costs.

The list below includes a few of the things car insurance companies consider when setting rates.

Incidental coverages you don't need - There are a ton of extra bells and whistles that you can buy if you aren't diligent. Coverage for things like personal injury protection, high-cost glass coverage, and Farm Bureau memberships are examples of these. These coverages may sound good initially, but if they're wasting money eliminate them to save money.

GPS tracking and theft deterrents reduce car insurance rates - Choosing a vehicle with anti-theft technology or alarm system can save you some money. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.

Too many car insurance claims drive up prices - If you tend to file frequent claims, don't be surprised to see either policy cancellation or increased premiums. Companies in Alabama award the lowest premiums to insureds that do not abuse their auto insurance. Your car insurance is intended to be relied upon for more catastrophic claims.

Liability is critical - Your car insurance policy's liability coverage provides coverage if a court rules you are at fault for physical damage or personal injury to other. This coverage provides legal defense starting from day one. It is affordable coverage compared to insuring for physical damage coverage, so do not cut corners here.

More mileage equals more premium - The higher the miles on your car each year the more you'll pay to insure it. A lot of companies charge to insure your cars based upon how much you drive. Cars that have low annual miles can be on a lower rate level than cars that get driven a lot. Verify your policy states annual mileage, because improper ratings can cost you money.

Save money by raising comp and collision deductibles - Insurance for physical damage to your car, also called 'full coverage', helps pay for damage to your vehicle. Some examples of claims that would be covered would be collision with another vehicle, collision with an animal, and burglary. Deductibles for physical damage tell how much the insured will be required to pay if a covered claim is submitted. The more you pay before a claim is paid (deductible), the bigger discount you will receive.

Cheaper to insure women? - Over the last 30 years, statistics show that females tend to be a little less risky than males. However, don't assume that men are worse drivers. Both sexes are responsible for auto accidents in similar percentages, but men get into accidents with more damage. They also get ticketed for serious violations like DUI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.

You may qualify for discounts

Not too many consumers would say insurance is affordable, but you may qualify for discounts that you may not even be aware of. Some discounts will apply when you complete an application, but occasionally some discounts must be inquired about prior to getting the savings.Save money with discounts

Remember that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, that's just not realistic.

Popular insurance companies and some of the discounts are included below.

Before purchasing a policy, check with each company or agent which credits you are entitled to. Some credits may not apply to policyholders in Helena. To see a list of providers with the best discounts in Helena, click this link.

When should I talk to an agent?

Some consumers just want to get advice from a local agent and that is just fine! A good thing about comparing rates online is that drivers can save money and get cheap rate quotes and also buy local.

Find insurance agent in HelenaTo help locate an agent, after submitting this simple form, your information is immediately sent to companies in Helena that give free quotes for your coverage. There is no reason to find an agent on your own as quotes are delivered instantly to you. Get lower rates and a licensed agent to work with. If you have a need to get a price quote from a specific car insurance provider, don't hesitate to search and find their rate quote page to submit a rate quote request.

Picking the best provider needs to be determined by more than just the quoted price. Some important questions to ask are:

Choose the right car insurance agent

If you need to find a reliable insurance agency, you must know there are a couple different agency structures that you can select. Car insurance policy providers can be described as either independent agents or exclusive agents depending on their employer.

Exclusive Car Insurance Agents

Exclusive agents can only provide one company's prices like Allstate and State Farm. They generally cannot compare rates from other companies so they have to upsell other benefits. Exclusive agencies receive extensive training on their company's products which helps overcome the inability to quote other rates.

Independent Insurance Agents

Independent insurance agents are not employed by one company and that enables them to quote your coverage with a variety of different insurance companies depending on which coverage is best. If you want to switch companies, they simply switch companies in-house and you don't have to find a new agent.

If you need cheaper car insurance rates, we highly recommend that you compare quotes from independent agents to maximize your price options.

Auto insurance overall losses by make and model

Is your vehicle likely to have claims? The following statistics show the worst and best vehicle makes and models for the probability of having large claims organized by coverage.

Vehicle Make and Models with the Lowest and Highest Medical Payment Claims
Lowest Claims Highest Claims
Ford F-250 SuperCrew Nissan Versa
Ford F-350 SuperCrew Kia Forte
Chevrolet Corvette Chevrolet Sonic
Tesla Model S Hyundai Accent
Land Rover Range Rover Sport Dodge Charger
Chevrolet Silverado 2500 Chevrolet Spark

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Coverage Claims by Vehicle
Lowest Claims Highest Claims
Smart ForTwo Bentley Continental GT
GMC Sierra 2500 Maserati Quattroporte
Nissan Leaf Porsche Panamera GTS
Chevy Spark BMW M6
Infiniti QX50 Audi S7
Volvo V60 Bentley Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-250 SuperCab BMW 6 Series
Nissan Xterra Audi RS7
Ford F-150 SuperCrew Maserati Ghibli
Smart ForTwo Bently Continental GTC
Chevrolet Colorado Nissan GT-R
Ford Edge Ferrari 458

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claims Highest Claims
Subaru Forester Mitsubishi Mirage
Fiat 500 Hyndai Accent
Volvo XC60 Dodge Charger
Acura MDX Chrysler 200
Audi A6 Chevrolet Impala
Mercedes-Benz SL Class Chevrolet Cruze

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

You can find cheaper coverage

You just learned a lot of tips how to compare auto insurance premium rates in Helena. It's most important to understand that the more times you quote, the better your chances of lowering your prices. You may even discover the biggest savings come from some of the lesser-known companies. These smaller insurers can often provide lower prices in certain areas than the large multi-state companies such as Progressive or GEICO.

Budget-friendly auto insurance in Helena is attainable on the web and from local insurance agents, so get free Helena auto insurance quotes from both of them to have the best selection. Some companies do not provide rate quotes online and these regional insurance providers work with independent insurance agencies.

As you quote Helena auto insurance, you should never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best price, but do not skimp to save money.

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