Are you looking for lower-priced Toyota Corolla insurance in Montgomery? Tired of paying out the nose to pay high car insurance rates every month? You have the same problem as many other people in Alabama.
Amazingly, a recent NerdWallet.com study showed that most drivers kept their coverage with the same car insurance company for over three years, and approximately 40% of consumers have never compared quotes from other companies. Alabama consumers could save themselves about 40% a year just by shopping around, but they don't want to take the time to compare rates and save money. Companies like Progressive, State Farm and GEICO all claim big savings, bombarding you with ads and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.
Save a ton on Toyota Corolla insurance in Montgomery with these car insurance discounts
Car insurance can be pricey, but you may qualify for discounts to help offset the cost. Certain credits will be shown when you complete an application, but some discounts are required to be inquired about before you will receive the discount.
- Multiple Policy Discount - When you combine your home and auto insurance with one insurance company they may give you a discount of up to 20% and get you cheap Corolla insurance.
- Waiver for an Accident - This isn't a discount exactly, but certain companies will turn a blind eye to one accident before your rates go up if you are claim-free prior to being involved in the accident.
- Theft Prevention System - Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Low Mileage Discounts - Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.
- Early Signing - Some larger companies give discounts for buying a policy prior to your current Corolla insurance policy expiration. You could save around 10% when you buy Montgomery car insurance online.
- Drivers Education - Cut your cost by having your teen driver take driver's ed class if it's offered in school.
A quick disclaimer, most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, car insurance companies aren't that generous.
For a list of car insurance companies that offer discounts in Montgomery, follow this link.
The majority of larger companies such as State Farm, GEICO and Progressive allow consumers to get prices online. Comparing prices online for Toyota Corolla insurance in Montgomery is easy for anyone as you simply type in your required coverages as detailed in the form. After you complete the form, their rating system automatically retrieves reports for credit and driving violations and returns a price based on these factors. This streamlines rate comparisons, and it's necessary to have as many quotes as possible if you want to get affordable rates.
To compare rates using this form now, compare rates now from the companies shown below. If you have your current policy handy, we recommend you replicate coverages and limits exactly as shown on your declarations page. Doing this guarantees you will receive comparison quotes for similar coverage.
The car insurance companies shown below can provide price quotes in Montgomery, AL. If the list has multiple companies, we suggest you get rate quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in Montgomery location which can increase or decrease price quotes significantly.
Comparison of car insurance rates by gender and age in Montgomery
The chart below visualizes the comparison of Toyota Corolla insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, comp and collision included, $1,000 deductibles, marital status is single, and no policy discounts are applied.
Analysis of deductible levels
The diagram below illustrates how your choice of deductibles and can increase or decrease Toyota Corolla premium costs for different insured age categories. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.
Car insurance agents are trained to help
Some people still prefer to buy from a local agent and that is not a bad decision Insurance agents will help you protect your assets and help in the event of a claim. A nice benefit of getting online price quotes is you can get cheaper auto insurance rates and still have an agent to talk to.
For easy comparison, once you complete this simple form, your information is instantly submitted to companies in Montgomery who can give free rate quotes for your insurance coverage. You won't need to leave your computer as quotes are delivered to your email. If you need to compare prices from a specific insurance company, you just need to jump over to their website and fill out their quote form.
Finding the right company requires more thought than just a cheap quote. The answers to these questions are important, too.
- Which companies do they recommend if they are an independent agency?
- Does the company allow you to choose your own collision repair facility?
- Are they full-time agents?
- What will you get paid if your car is a total loss? How is that amount determined?
- What kind of financial rating does the company have?
If you want a local Montgomery insurance agency, it's helpful to know the different agency structures and how they are slightly different. Insurance agencies in Montgomery can be classified as either exclusive agents or independent agents. Both can do a good job, but it's important to know the difference between them since it may influence your agent selection.
These type of agents can only provide pricing for a single company like Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot compare rates from other companies so you might not find the best rates. Exclusive agents receive a lot of sales training on their company's products which helps them compete with independent agents.
The following is a list of exclusive agents in Montgomery willing to provide price quotes.
Independent Agencies or Brokers
Independent insurance agents do not write with just one company so as a result can place your coverage through many different car insurance companies and find you cheaper rates. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.
If you need cheaper car insurance rates, we highly recommend that you check rates from independent agents to get the best comparison.
The following is a short list of independent insurance agents in Montgomery willing to provide comparison quotes.
Alabama Insurance Agency (Montgomery)
3366 Atlanta Hwy - Montgomery, AL 36109 - (334) 593-9991 - View Map
Don't give up on cheaper coverage
As you shop your coverage around, it's very important that you do not buy less coverage just to save a little money. There are many occasions where drivers have reduced collision coverage only to discover later they didn't purchase enough coverage. The goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.
Throughout this article, we presented a lot of techniques to get a better price on Toyota Corolla insurance in Montgomery. The key concept to understand is the more times you quote, the better chance you'll have of finding cheaper Montgomery car insurance quotes. Consumers may even find the lowest rates come from a small local company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or GEICO.
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