Want low-cost auto insurance rates in Prattville, AL? Trying to find cheaper insurance for a car in Alabama can be a painful process, but you can learn a few tricks to make it easier.
There are more efficient ways to buy auto insurance and you need to know the proper way to quote coverages for a new or used and obtain the cheapest rates from both online companies and Prattville agents.
Shockingly, over 70% of consumers have been with the same company for at least the last four years, and nearly the majority have never quoted auto insurance rates at all. Consumers in Prattville could save $490 a year just by comparing rates, but they just feel it's too hard to compare rates online.
It's smart to get comparison quotes yearly since prices are adjusted regularly by insurance companies. Even if you got the lowest rate on auto insurance a few years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you're about to find out the best methods to find great coverage at a great price.
If you are insured now or just want a better rate, use these techniques to find the best rates without having to cut coverage. Quoting and comparing rates for cheaper policy in Prattville is easy to do. Comparison shoppers only have to learn the proper way to compare rates using one simple form.
Companies offering cheap rate quotes in Alabama
The following companies are our best choices to provide price quotes in Prattville, AL. If multiple companies are listed, it's a good idea that you click on several of them in order to find the most competitive rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LT||$784||$392||$65|
|Chevrolet Malibu LT||$1,374||$687||$115|
|Chevrolet Silverado LS Regular Cab 2WD||$994||$497||$83|
|Dodge Ram Quad Cab Laramie 4WD||$1,218||$609||$102|
|Ford Edge SEL AWD||$1,166||$583||$97|
|Ford Escape Limited 4WD||$1,252||$626||$104|
|Ford F-150 Lariat King Ranch 2WD||$938||$469||$78|
|Ford Focus S 4-Dr Sedan||$1,082||$541||$90|
|GMC Sierra SLE Crew Cab 2WD||$1,170||$585||$98|
|Honda Accord EX 4-Dr Sedan||$662||$331||$55|
|Honda CR-V EX-L 2WD||$922||$461||$77|
|Honda Civic GX 4-Dr Sedan||$1,302||$651||$109|
|Hyundai Sonata GLS 4-Dr Sedan||$934||$467||$78|
|Jeep Grand Cherokee Laredo 4WD||$888||$444||$74|
|Nissan Altima 2.5 4-Dr Sedan||$1,316||$658||$110|
|Toyota Camry SE||$1,274||$637||$106|
|Toyota Corolla XRS||$960||$480||$80|
|Toyota RAV4 Sport 2WD||$994||$497||$83|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific Prattville garaging location which can increase or decrease rates substantially.
Higher deductibles lower rates
One common question asked by Prattville drivers is the level to set your comp and collision deductibles. The following insurance rates may help to conceptualize the price difference when you select higher and lower policy deductibles. The first set of prices uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Information does not factor in specific location which can increase or decrease auto insurance rates substantially.
Based on the data above, we can derive that using a $100 deductible will cost you approximately $25 more each month or $300 a year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 16 months between claim filings, you would more than likely save some money if you elect the higher deductible.
Driving violations and accidents
The chart below demonstrates how speeding tickets and at-fault accidents can impact Hyundai Elantra insurance prices for different age groups. The costs are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Companies offer money-saving discounts on car insurance
Car insurance companies do not advertise all their discounts in an easy-to-find place, so the below list has both the well known as well as some of the hidden credits available to lower your premiums when you buy Prattville auto insurance online.
- Accident Waiver - Not necessarily a discount, but a handful of insurance companies will turn a blind eye to one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
- Student Driver Training - Have your child participate in a local driver's education class in school.
- Renewal Discounts - A few car insurance companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
- Own a Home and Save - Owning your own home or condo can get you a discount because of the fact that having a home shows financial diligence.
- Active Military Service - Having an actively deployed family member could mean lower premium rates.
- Policy Bundle Discount - If you insure your home and vehicles and place coverage with the same company you could save up to 20% and get you cheap Prattville auto insurance.
One thing to note about discounts is that some credits don't apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, that's just not realistic.
A list of companies and some of the premium reductions they offer include:
- Farmers Insurance includes discounts for distant student, youthful driver, business and professional, multi-car, and teen driver.
- Esurance may offer discounts for claim free, safety device, online shopper, good student, and anti-theft.
- State Farm offers discounts including defensive driving training, safe vehicle, accident-free, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, and good student.
- GEICO offers discounts for seat belt use, military active duty, federal employee, anti-theft, good student, membership and employees, and emergency military deployment.
- Allstate may include discounts for premier discount, EZ pay plan discount, anti-lock brakes, resident student, economy car, defensive driver, and anti-theft.
When getting free Prattville auto insurance quotes, it's a good idea to every insurance company which discounts you qualify for. All car insurance discounts might not apply in Prattville. If you would like to choose from a list of providers who offer car insurance discounts in Prattville, click here.
How insurance providers determine insurance rates
A large part of saving on insurance is knowing some of the elements that help calculate your policy premiums. If you have some idea of what determines base rates, this enables you to make decisions that could result in lower insurance prices. Lots of factors are used in the calculation when premium rates are determined. A few of the factors are predictable like an MVR report, although some other factors are more transparent such as your credit history or how financially stable you are.
Incidental coverages push up costs - There are a ton of additional coverages that can waste your money but may not be useful. Coverages for coverage for rental cars, high-cost glass coverage, and extra life insurance coverage may be costing you every month. They may sound like good ideas when discussing your needs, but your needs may have changed so remove them and pocket the money.
Deter vehicle theft - Purchasing a vehicle with an alarm system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping auto theft.
How much liability - The liability coverage on your policy is the protection if ever a jury decides you are liable for damages caused by your negligence. This coverage provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
Responsible drivers pay lower costs - Being a careful driver has a big impact on rates. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Having a single ticket may cause rates to rise substantially. Drivers with multiple violations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.
Gender is a factor - Over the last 30 years, statistics show that women are safer drivers than men. However, don't assume that women are better drivers. They both are in fender benders in similar percentages, but guys tend to have more serious accidents. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident so it costs more to insure them.
It's not one size fits all
When quoting and choosing insurance from an agent or online for your vehicles, there isn't really a "best" method to buy coverage. Every situation is different.
These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.
- Does my policy cover me if I wreck while driving under the influence?
- Is my babysitter covered when using my vehicle?
- Why are teen drivers so expensive to add on to my policy?
- How do I file an SR-22 for a DUI in Alabama?
- How can I get high-risk coverage after a DUI?
- When can my company non-renew my policy?
- What are good deductibles for a vehicle?
- Does insurance cover tools stolen from my truck?
If you can't answer these questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, simply complete this short form. It's fast, doesn't cost anything and can provide invaluable advice.
Getting quotes from local Prattville insurance agents
Some people still prefer to go talk to an agent and that is just fine! Most agents are trained risk managers and will help you if you have claims. A good thing about getting free rate quotes online is you can get the best rates and still buy from a local agent. And providing support for neighborhood insurance agencies is important especially in Prattville.
Upon completion of this form (opens in new window), your coverage information gets sent to agents in your area who can give free rate quotes for your coverage. You never need to find an agent since rate quotes are delivered to you instantly. If you wish to compare rates for a specific company, feel free to navigate to their website and fill out the quote form the provide.
Finding the right insurer requires you to look at more than just the quoted price. Below are some questions you should ask.
- Will high miles depreciate repair valuations?
- Do they offer rental car reimbursement?
- If your car is totalled, how to they determine the replacement cost?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they offer claims assistance after hours?
- Which insurance companies are they affiliated with?
- Do they get paid more for recommending certain coverages?
If you receive good responses to these questions and an affordable coverage quote, it's possible that you found an provider that can insure your vehicles. But keep in mind you have the power to cancel coverage whenever you want so don't assume that you are obligated to your new company for the full policy term.
A little work can save a LOT of money
As you prepare to switch companies, never buy less coverage just to save a little money. There are many occasions where someone dropped collision coverage only to find out that they should have had better coverage. The aim is to purchase a proper amount of coverage for the lowest cost while still protecting your assets.
In this article, we presented some good ideas how to reduce auto insurance car insurance rates online in Prattville. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable Prattville auto insurance quotes. Consumers may even find the lowest priced auto insurance comes from the least-expected company.
Lower-priced auto insurance in Prattville can be sourced on the web as well as from insurance agents, so you should compare both so you have a total pricing picture. Some companies may not provide online price quotes and these small, regional companies only sell through independent insurance agencies.