Affordable Auto Insurance in Phenix City

No one likes paying for insurance, in particular when they could find lower prices if they just compared rates.

A recent insurance study revealed that the vast majority of insurance customers have stayed with the same insurance company for well over three years, and almost half have never quoted insurance rates at all. Phenix City drivers can save hundreds of dollars each year by just comparing rate quotes, but they just don't understand how easy it is to compare rate quotes online.

Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute lowest rate on insurance.

Consumers should take time to quote other rates quite often because insurance prices are adjusted regularly by insurance companies. Just because you found the best price on insurance a couple years back there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance because you're about to learn how to quote online to lower your rates without sacrificing coverage.

How to buy insurance online

When shopping for insurance there are multiple ways of comparing rate quotes from different companies. The easiest way to find the lowest rates is to use the internet to compare rates.

It's so fast and easy to compare rates online that it makes it obsolete to drive around to each insurance agency near you. Doing it all online has made agencies unnecessary unless you're the type of person who wants the guidance only provided by licensed Phenix City agents. It is possible with some companies price shop online but purchase the actual policy in an agency. Just keep in mind that comparing more quotes gives you a better chance of getting better pricing.

The car insurance companies shown below are our best choices to provide quotes in Alabama. If multiple companies are shown, it's highly recommended you compare several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Phenix City
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,086 $543 $91
Chevrolet Silverado LS Regular Cab 4WD $822 $411 $69
Dodge Ram Crew Cab Sport 2WD $1,160 $580 $97
Ford Escape XLT 2WD $756 $378 $63
Ford Explorer Limited AWD $1,162 $581 $97
Ford F-150 XL Crew Cab 2WD $844 $422 $70
Ford Focus SEL 4-Dr Sedan $1,376 $688 $115
Ford Fusion SE 4-Dr Sedan $1,134 $567 $95
Honda Accord LX 4-Dr Sedan $864 $432 $72
Honda CR-V LX 4WD $756 $378 $63
Honda Civic LX-S 4-Dr Sedan $956 $478 $80
Jeep Wrangler Rubicon 4WD 2-Dr $840 $420 $70
Mazda 3 S Sport 4-Dr Sedan $1,462 $731 $122
Nissan Altima 3.5 SR 4-Dr Sedan $1,260 $630 $105
Toyota Camry LE $800 $400 $67
Toyota Corolla XLE $1,186 $593 $99
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can lower or raise premiums greatly.

Higher deductibles save money

The information below illustrates how choosing a deductible and can raise or lower GMC Acadia insurance costs for different ages of insureds. The rates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

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

Irresponsible driving raises your rates

The example below demonstrates how citations and fender-benders can impact Toyota Camry auto insurance costs for different categories of driver ages. Data assumes a married female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Car insurance deductibles

When buying car insurance, a common question is which comprehensive and collision deductibles to buy. The following tables can help you understand the difference in cost between low and high coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second pricing table uses a $500 deductible.

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

Honda Accord insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $228 $360 $286 $16 $86 $1,001 $83
Accord LX 4-Dr Sedan $228 $360 $286 $16 $86 $1,001 $83
Accord EX 4-Dr Sedan $228 $360 $286 $16 $86 $1,001 $83
Accord LX-P 4-Dr Sedan $228 $360 $286 $16 $86 $1,001 $83
Accord LX-P 4-Dr Sedan $228 $360 $286 $16 $86 $1,001 $83
Accord EX-L 4-Dr Sedan $260 $440 $286 $16 $86 $1,113 $93
Accord EX 2-Dr Coupe $260 $518 $382 $22 $114 $1,321 $110
Accord LX-S 2-Dr Coupe $260 $518 $382 $22 $114 $1,321 $110
Accord EX-L 2-Dr Coupe $294 $518 $382 $22 $114 $1,355 $113
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Honda Accord insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $184 $292 $286 $16 $86 $864 $72
Accord LX 4-Dr Sedan $184 $292 $286 $16 $86 $864 $72
Accord EX 4-Dr Sedan $184 $292 $286 $16 $86 $864 $72
Accord LX-P 4-Dr Sedan $184 $292 $286 $16 $86 $864 $72
Accord LX-P 4-Dr Sedan $184 $292 $286 $16 $86 $864 $72
Accord EX-L 4-Dr Sedan $212 $354 $286 $16 $86 $954 $80
Accord EX 2-Dr Coupe $212 $418 $382 $22 $114 $1,148 $96
Accord LX-S 2-Dr Coupe $212 $418 $382 $22 $114 $1,148 $96
Accord EX-L 2-Dr Coupe $240 $418 $382 $22 $114 $1,176 $98
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in specific garaging location which can increase or decrease coverage prices greatly.

Based on the above data, using a $250 deductible costs an average of $12 more each month or $144 every year than buying the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you usually have at least 21 months between claims, you would probably be better off if you choose a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $250 deductibles: $93
Average monthly premium for $500 deductibles (subtract): - $81
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Buying from car insurance agents

Many people would rather visit with an insurance agent and that can be a great decision One of the great benefits of price shopping on the web is the fact that you can find lower rates but also keep your business local.

By using this quick form, the quote information gets sent to local insurance agents in Phenix City that provide free Phenix City car insurance quotes for your business. You never need to contact any agents since rate quotes are delivered to the email address you provide. You can find the lowest rates and a licensed agent to talk to. If for some reason you want to get a price quote for a specific company, you would need to jump over to their website and fill out the quote form the provide.

Picking an company should include more criteria than just the premium amount. Get answers to these questions too.

After getting acceptable answers to these questions as well as offering an affordable quote, you have narrowed it down to an insurer that meets the requirements to properly service your insurance policy.