Online price comparisons for affordable Enterprise auto insurance might seem complicated at first if you are one of the millions of people new to online price quotes. Don't let the process intimidate you because finding more affordable prices is easier than you think.
A recent auto insurance study revealed that nearly 70% of customers have remained with the same auto insurance company for four years or more, and 38% of customers have never quoted auto insurance rates at all. The average driver in America can save hundreds of dollars each year just by getting comparison quotes, but they underestimate how much money they would save if they switched.
Smart consumers take time to get comparison quotes before your policy renews because insurance prices are constantly changing. If you had the lowest price on auto insurance a year ago there is a good chance you can find better rate quotes now. You can search a lot of auto insurance online, but I'm going to show you some of the best techniques to buy auto insurance cheaper in Enterprise.
Locating the best rates in Enterprise is much easier if you have a good place to start. Essentially every driver who quotes car insurance will most likely get better rates. Although Alabama car owners must learn the way companies charge you for coverage and use it to find better rates.
Auto insurance companies offering low-cost rate quotes in Alabama
The companies shown below can provide price quotes in Enterprise, AL. If several companies are displayed, we suggest you visit several of them in order to find the most affordable rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LS 2WD||$908||$454||$76|
|Chevrolet Malibu LS||$1,196||$598||$100|
|Chevrolet Silverado LT Regular Cab||$1,176||$588||$98|
|Dodge Grand Caravan SXT||$1,088||$544||$91|
|Dodge Ram Crew Cab Laramie 4WD||$1,244||$622||$104|
|Ford Escape XLS 4WD||$984||$492||$82|
|Ford F-150 STX Regular Cab 2WD||$1,314||$657||$110|
|Ford Focus SEL 4-Dr Sedan||$918||$459||$77|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,382||$691||$115|
|GMC Sierra SLE Regular Cab 2WD||$892||$446||$74|
|Honda Accord LX 4-Dr Sedan||$1,108||$554||$92|
|Honda CR-V EX-L 4WD||$862||$431||$72|
|Honda Civic VP 4-Dr Sedan||$1,184||$592||$99|
|Kia Optima SX||$1,370||$685||$114|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,534||$767||$128|
|Toyota Camry LE||$1,194||$597||$100|
|Toyota Corolla XRS||$1,278||$639||$107|
|Toyota RAV4 Limited 2WD||$1,448||$724||$121|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can change rates significantly.
The example below highlights how deductible selection and can influence Hyundai Elantra insurance rates for each age group. The costs are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Seven factors that affect insurance costs
When buying insurance it's important to understand the different types of things that help determine your policy premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that can help you get much lower annual insurance costs. Many factors are used when you get your auto insurance bill. Most are fairly basic such as your driving record, although some other factors are not quite as obvious like your vehicle usage and annual miles driven.
The list below includes some of the factors used by your company to calculate your rate level.
Avoid unnecessary add-on coverages - There are many extra add-on coverages that can add up if you don't pay attention. Insurance for things like rental car coverage, towing, and Farm Bureau memberships may be wasting your money. They may seem like a good idea when talking to your agent, but if you have no use for them get rid of them and save.
Being married is a bonus - Being married can get you a discount when shopping for insurance. Having a significant other may mean you are more mature and responsible and it's proven that married couples file fewer claims.
Never let your coverage expire - Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your insurance coverage expire. In addition to paying higher premiums, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license.
Deter vehicle theft - Owning a car with a theft deterrent system can help lower your premiums. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
Discounts for auto and home policies - Most larger insurers apply a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. The discount can add up to ten percent or more. Even though this discount sounds good, you still need to compare other company rates to confirm you are receiving the best rates possible. You may still be able to save even more than the discount by buying insurance from more than one company.
Five star IIHS safety rating saves money - Vehicles that have high safety ratings tend to be cheaper to insure. These vehicles protect occupants better and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
Filing insurance claims can cost you - Car insurance companies in Alabama generally give discounts to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Insurance coverage is intended for major claims that would cause financial hardship.
Get discounts to get affordable Enterprise auto insurance rates
Auto insurance is not cheap nor is it fun to buy but you may find discounts that you may not even know about. Some discounts apply automatically when you quote, but lesser-known reductions have to be asked for prior to receiving the credit.
- No Claim Discounts - Drivers with accident-free driving histories are rewarded with significantly better rates on Enterprise auto insurance quote as opposed to accident-prone drivers.
- Waiver for an Accident - Not a discount per se, but companies like State Farm, Progressive and GEICO allow you one accident before raising your premiums if you are claim-free prior to the accident.
- Discount for Life Insurance - Not all insurance carriers offer life insurance, but some may give you better auto insurance rates if you take out some life insurance too.
- Membership in Organizations - Joining a professional or civic organization is a good way to get lower rates on your next auto insurance statement.
- Telematics Data - Drivers who elect to allow companies to track when and where they use their vehicle by using a telematics device in their vehicle such as Progressive's Snapshot and State Farm's In-Drive may get a rate reduction as long as they are good drivers.
It's important to understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it's possible to get free car insurance, nobody gets a free ride.
A partial list of companies that may offer quotes with most of the discounts above include:
Check with all the companies how you can save money. Discounts might not be available to policyholders in your area. If you would like to choose from a list of companies that provide some of the discounts listed above in Alabama, follow this link.
Local Enterprise insurance agencies
Many people still like to go talk to an agent and that is OK! One of the great benefits of comparing rate quotes online is that you can find lower rates and still have a local agent.
Once you complete this form (opens in new window), your insurance data is emailed to insurance agents in Enterprise who will give competitive quotes to get your business. It makes it easy because there is no need to find an agent on your own since rate quotes are delivered to you. You can find better rates without having to waste a lot of time. If you have a need to quote rates from a specific insurance provider, just find their quoting web page and submit a quote form there.
Picking an insurance company should include more criteria than just the bottom line cost. Here are some questions to ask:
- How long have they been in business?
- Will the quote change when the policy is issued?
- Is insurance their full-time profession?
- Can you use your own choice of collision repair facility?
- Can you get a list of referrals?
- Are claims handled at the agent's location?
Types of car insurance agents
If you want to use a local Enterprise insurance agent, there are two different types of agencies and how they can service your needs differently. Insurance agencies in Enterprise are either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Exclusive agents can only provide one company's prices and examples are AAA, Allstate, and State Farm. These agents are unable to compare rates from other companies so always compare other rates. Exclusive agents receive a lot of sales training on the products they sell and that allows them to sell at a higher price point. Drivers often use the same exclusive agent mainly due to the brand legacy rather than low price.
Independent Insurance Agencies
Agents that choose to be independent often have many company appointments so they have the ability to put coverage with a variety of different insurance companies and potentially find a lower price. If you want to switch companies, they simply move your policy to a different company which is easy for the insured.
If you are comparing insurance prices, we highly recommend that you get quotes from a few independent agents to get the best comparison. Most have the option of insuring with mutual insurance companies which can be an advantage.
Insurance agents can help
Always keep in mind that when comparing proper insurance coverage, there isn't really a single plan that fits everyone. Your needs are unique to you and your auto insurance should be unique as well. These are some specific questions might point out whether you could use an agent's help.
- Am I covered if I have no license?
- What does medical payments coverage do?
- How much liability coverage do I need in Alabama?
- Does coverage follow the driver or the vehicle?
- I don't drive much so do I pay less?
- How can I force my company to pay a claim?
- Are combined or split liability limits better?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Cover all your bases
Discount auto insurance in Enterprise can be bought on the web and from local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not offer price quotes online and most of the time these small, regional companies work with independent agencies.
When shopping online for auto insurance, do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.
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