Affordable Quotes on Anniston Auto Insurance

Want to learn the secrets to finding low-cost insurance rates in Anniston, AL? Anniston shoppers have many options when shopping for low-cost car insurance. You can either waste hours driving around trying to get quotes or utilize the internet to compare rates. There is a right way and a wrong way to find insurance online and we'll show you the absolute fastest way to compare rates on a and obtain the cheapest rates.

Locating the most cost-effective insurance policy in Anniston is much easier if you have a good place to start. If you have insurance now, you will most likely be able to find the best rates using the ideas covered in this article. Consumers just need to understand how to compare prices using one simple form.

The easiest way to compare car insurance rates is to know the trick most of the larger companies pay for the opportunity to quote your coverage. All you need to do is give the companies some data like if you lease or own, how much you drive, any included safety features, and your job. The data gets sent immediately to insurance companies and you will receive price estimates almost instantly.

To compare rates for your car now, click here and find out if you can get cheaper insurance in Anniston.

The companies in the list below have been selected to offer free rate quotes in Anniston, AL. If multiple companies are listed, it's a good idea that you visit two to three different companies to find the most affordable car insurance rates.

Insurance Cost Estimates for Popular Vehicles in Anniston
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $858 $429 $72
Chevrolet Silverado LT Regular Cab 2WD $954 $477 $80
Dodge Ram Crew Cab Sport 4WD $1,508 $754 $126
Ford Edge Sport AWD $1,406 $703 $117
Ford Escape XLT 4WD $862 $431 $72
Ford F-150 Lariat Crew Cab Platinum 2WD $1,110 $555 $93
Ford Focus SES 2-Dr Coupe $1,624 $812 $135
GMC Sierra SLE Regular Cab 2WD $990 $495 $83
Honda Accord EX-L 4-Dr Sedan $816 $408 $68
Honda CR-V EX-L 4WD $772 $386 $64
Honda Civic SI 2-Dr Coupe $1,928 $964 $161
Nissan Altima 2.5 4-Dr Sedan $888 $444 $74
Toyota Camry SE $824 $412 $69
Toyota Corolla XRS $1,074 $537 $90
Volkswagen Jetta SEL 4-Dr Sedan $1,260 $630 $105
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in vehicle location which can modify premium rates substantially.

Gender-based car insurance premiums in Anniston

The information below illustrates the comparison of auto insurance rates for male and female drivers in Anniston. The information is based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in on a Nissan Sentra SE-R SPEC V.

Nissan Sentra rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The rates below summarize the price difference between low and high physical damage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $228 $440 $338 $20 $100 $1,151 $96
Focus SE 4-Dr Sedan $228 $440 $338 $20 $100 $1,151 $96
Focus SEL 4-Dr Sedan $228 $518 $338 $20 $100 $1,229 $102
Focus SES 4-Dr Sedan $228 $518 $338 $20 $100 $1,229 $102
Focus SE 2-Dr Coupe $260 $518 $382 $22 $114 $1,321 $110
Focus SES 2-Dr Coupe $260 $518 $382 $22 $114 $1,321 $110
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Ford Focus insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $140 $276 $338 $20 $100 $874 $73
Focus SE 4-Dr Sedan $140 $276 $338 $20 $100 $874 $73
Focus SEL 4-Dr Sedan $140 $326 $338 $20 $100 $924 $77
Focus SES 4-Dr Sedan $140 $326 $338 $20 $100 $924 $77
Focus SE 2-Dr Coupe $160 $326 $382 $22 $114 $1,004 $84
Focus SES 2-Dr Coupe $160 $326 $382 $22 $114 $1,004 $84
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in specific garaging location which can increase or decrease coverage rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $25 more each month or $300 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 30 months between claims, you would probably save some money if you opt for a higher deductible.

Earn discounts on Anniston car insurance

Insurance can be prohibitively expensive, but there's a good chance there are discounts that could help you make your next renewal payment. Many discounts should be triggered when you quote, but some discounts are required to be manually applied prior to getting the savings.Discount car insurance

You should keep in mind that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn't stay in business.

Larger car insurance companies and a partial list of their discounts can be read below.

Before purchasing a policy, check with each insurance company the best way to save money. Some credits may not apply in Anniston. If you would like to see a list of insurers who offer cheap car insurance quotes in Anniston, click here.

Car insurance is available from agents near you

A lot of people just prefer to sit down and talk to an agent and that is not a bad decision Agents can answer important questions and give you someone to call. The best thing about comparing car insurance online is you can get cheap rate quotes and still have an agent to talk to.

Insurance agents in AnnistonTo make it easy to find an agent, after completing this simple form, the coverage information is transmitted to local insurance agents who will give you quotes for your business. You don't have to find an agent due to the fact that quote results will go to you directly. If you need to compare rates for a specific company, you just need to search and find their rate quote page and fill out their quote form.

Finding a good provider requires more thought than just the quoted price. The answers to these questions are important, too.

Auto insurance agents in Anniston come in two varieties

If you want to use a reputable insurance agent or broker, there are two different types of agencies that you can select. Agencies in Anniston are categorized either independent or exclusive. Either one can write policy coverage, but it's good to learn how they differ because it can impact the kind of agent you use.

Exclusive Car Insurance Agents

Agents that choose to be exclusive can only provide one company's prices like Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company's products which helps them compete with independent agents. Consumers often buy from the same agent for years mainly due to the brand name rather than having low rates.

Independent Agents (or Brokers)

Agents of this type are normally appointed by many insurers so they have the ability to put coverage with an assortment of companies and get you the best rates possible. If you are not satisfied with one company, your policy is moved internally and you don't have to switch agencies.

If you need lower rates, it's recommended you get some free quotes from independent agents in order to have the best price comparison. They often place coverage with companies you've never heard of which may provide better rates.

Auto insurance can be complex

When buying coverage online or from an agent, there really is not a one size fits all plan. Your needs are unique to you and your auto insurance should be unique as well.Higher deductibles save money For instance, these questions could help you determine whether your personal situation will benefit from professional help.

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don't have a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Decisions you make can lower your rates

Part of the insurance buying process is learning the different types of things that are used to determine your premiums. When you know what positively or negatively influences your rates, this enables you to make decisions that can earn you lower insurance prices. Lots of things are considered when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, although others are less apparent such as whether you are married or your financial responsibility.

Three good reasons to insure your vehicle

Despite the high insurance cost in Anniston, insurance may be required and benefits you in several ways.

The benefits of having insurance outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.

Insurance claim statistics

Which makes and models have the most claims? The tables below list the best and worst vehicle makes and models for overall likelihood of having claims for each type of coverage listed.

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 Bentley Continental GTC
Nissan Xterra Bentley Continental GT
Nissan Leaf Audi S7
GMC Sierra 2500 Maserati Granturismo
Infiniti QX50 BMW M6
Chevy Spark Porsche Panamera GTS

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Mini Cooper Bently Continental GTC
Nissan Xterra BMW 6 Series
Ford F-250 SuperCab Maserati Granturismo
Ford Edge Nissan GT-R
GMC Canyon Ferrari 458
Ford F-150 SuperCrew Bentley Continental Flying Spur

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Mitsubishi Lancer
Chevrolet Silverado 2500 Kia Forte
Audi A4 Allroad Nissan Versa
Land Rover Range Rover Sport Nissan Sentra
Chevrolet Corvette Dodge Charger
Chevrolet Silverado 3500 Hyundai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Dodge Charger
Volvo XC60 Chrysler 200
Subaru Forester Chevrolet Cruze
Acura MDX Kia Optima
Audi A6 Chevrolet Sonic
Mercedes-Benz SL Class Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Persistent drivers can save

You just learned many tips how you can compare insurance prices in Anniston. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest prices are with an unexpected company. They may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.

Budget-friendly insurance in Anniston can be found on the web and with local Anniston insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not have rates over the internet and many times these regional insurance providers only sell through independent insurance agencies.

When getting Anniston auto insurance quotes online, do not sacrifice coverage to reduce premiums. In too many instances, an insured cut collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

Much more information about insurance in Alabama is located below: