How many times have you told yourself to find more affordable car insurance rates in Daphne, AL? Did budget coverage turn out to be an expensive car insurance policy? Believe me, there are lots of Daphne residents who feel the same.
Regrettably, 70% of consumers have been with the same company for more than four years, and 38% of drivers have never compared rates to find lower-cost insurance. Drivers in Daphne can cut their rates by approximately 40% a year, but they don't understand how simple it is to shop their coverage around. Multiple insurers compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best rate on car insurance.
It's smart to do rate comparisons before your next renewal because rates change regularly. Even if you think you had the best premium rates on car insurance six months ago there is a good chance you can find better prices now. Ignore everything you know about car insurance because we're going to demonstrate the best methods to buy cheaper car insurance.
Lowering your auto insurance rates can be quick and easy. Drivers just need to take a few minutes comparing rates from online providers.
Doing price comparisons online is so simple that it makes it a waste of time to spend time driving to insurance agencies in your area. Quoting and buying auto insurance online can eliminate the need for a local agent unless you're the type of person who wants the personal advice that only an agent can give. Although, it is possible find lower rates online and have a local Daphne agent actually service the policy.
The companies shown below are ready to provide price comparisons in Alabama. If multiple providers are shown, it's highly recommended you click on several of them to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$994||$497||$83|
|Chevrolet Silverado LT Regular Cab||$1,390||$695||$116|
|Dodge Ram Crew Cab TRX 2WD||$1,206||$603||$101|
|Ford Escape XLT 4WD||$862||$431||$72|
|Ford F-150 XL Regular Cab 4WD||$1,096||$548||$91|
|Ford Focus SEL 4-Dr Sedan||$1,204||$602||$100|
|Honda Accord EX-L 4-Dr Sedan||$1,196||$598||$100|
|Honda CR-V EX-L 2WD||$800||$400||$67|
|Honda Civic Hybrid 4-Dr Sedan||$1,270||$635||$106|
|Hyundai Sonata GLS 4-Dr Sedan||$954||$477||$80|
|Jeep Grand Cherokee SRT-8 4WD||$1,010||$505||$84|
|Nissan Altima Hybrid 4-Dr Sedan||$1,580||$790||$132|
|Nissan Rogue SL AWD||$1,496||$748||$125|
|Toyota Camry LE||$894||$447||$75|
|Toyota Corolla LE||$1,544||$772||$129|
|Toyota RAV4 2WD||$1,194||$597||$100|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$1,074||$537||$90|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in your specific Daphne location which can alter price quotes noticeably.
Safe drivers pay less for auto insurance
The information below highlights how speeding tickets and at-fault claims can influence Honda Civic insurance rates for different categories of driver ages. The costs are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
Why you need insurance for your vehicle
Even though it's not necessarily cheap to insure a vehicle in Daphne, insuring your vehicle may be required and benefits you in several ways.
First, most states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability in order to drive the car legally. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your vehicle with a loan, most lenders will force you to have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender may insure your vehicle at an extremely high rate and require you to fork over for the much more expensive policy.
Third, insurance preserves not only your car but also your financial assets. It will also reimburse you for medical bills for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having insurance definitely exceed the price paid, particularly for liability claims. Unknowingly, the average driver is overpaying more than $820 a year so smart consumers compare quotes every year to make sure the price is not too high.
You may qualify for discounts
Companies that sell car insurance don't list the complete list of policy discounts in an easy-to-find place, so the following list contains some of the best known and also the lesser-known car insurance savings. If you're not getting every credit possible, you could be paying more than you need to.
- Multiple Cars - Purchasing coverage when you have primary and secondary vehicles on one policy could earn a price break for each car.
- Defensive Driver Discounts - Taking part in a defensive driving class could save 5% or more and easily pay for the cost of the class.
- Discounts for Responsible Drivers - Drivers who avoid accidents could pay up to 40% less than drivers with accident claims.
- Early Signing - Some larger companies give discounts for buying a new policy before your current policy expires. It's a savings of about 10%.
- Braking Control Discount - Vehicles with ABS braking systems or traction control are safer to drive so you can save 10 percent or more.
- Seat Belt Usage - Drivers who require all occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
- Senior Discount - Older drivers may receive lower premium rates.
You should keep in mind that most of the big mark downs will not be given to the whole policy. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, you won't be that lucky.
To see a list of insurance companies that provide some of the discounts listed above in Alabama, click here to view.
Exclusive and independent car insurance agents
Many people still prefer to visit with an insurance agent and that is a personal choice. Most agents can help determine the best coverages and give you someone to call. One of the best bonuses of getting free rate quotes online is you may find cheaper auto insurance rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is transmitted to local insurance agents in Daphne who will give you bids to get your business. You never need to find an agent on your own because prices are sent to your email. If you wish to get a rate quote from a specific car insurance provider, you just need to navigate to their website and submit a quote form there.
Picking an insurer needs to be determined by more than just the quoted price. These are some questions your agent should answer.
- What companies can they write with?
- How will an accident affect your rates?
- If you raise deductibles, how much can you save?
- What discounts might you be missing?
- Do they have a Better Business Bureau rating in Daphne?
- Are they properly licensed to sell insurance in Alabama?
- Is there a local claims center in Daphne?
- Are they able to provide referrals?
If you want to buy car insurance from a reliable insurance agent, it's helpful to know the different agency structures and how they are distinctly different. Daphne agents can either be exclusive or independent agents depending on their company appointments. Both types can provide car insurance policies, but it's important to point out why they differ because it can influence which agent you choose.
Agents that choose to be exclusive can only place business with one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so they really need to provide good service. They are trained well in insurance sales and that enables them to sell even at higher rates.
Independent Agencies or Brokers
Independent insurance agents can sell policies from many different companies so they can write business through lots of different companies and find you the best rates. If prices rise, they simply switch companies in-house which requires no work on your part.
If you are trying to find cheaper rates, it's a good idea to get several quotes from independent agents for the best price selection.
After getting reasonable responses to all your questions as well as cheaper Daphne auto insurance quotes, chances are good that you have found an insurance agency that can service your policy.
A conclusion for your auto insurance search
Some auto insurance companies do not provide rates over the internet and many times these regional insurance providers provide coverage only through independent agents. Discount auto insurance can be purchased both online and from local insurance agents, and you need to price shop both to have the best selection.
You just learned quite a bit of information on how to get a better price on auto insurance in Daphne. It's most important to understand that the more quotes you get, the higher your chance of finding inexpensive Daphne auto insurance quotes. You may even find the biggest savings come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
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