Car Insurance Quotes in Northport

Nobody that owns a car anticipates paying for car insurance, especially when they know their premiums are through the roof.

Inconceivable but true, most car insurance buyers have been with the same company for at least four years, and nearly half have never compared rates from other carriers. Drivers in Northport could pocket roughly $490 a year just by getting comparison quotes, but they won't spend time to do a rate comparison.

Companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with advertising and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It's a good idea to get comparison quotes as often as possible since insurance rates tend to go up over time. Despite the fact that you may have had the lowest rate 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 quickest way to properly buy coverages while reducing your premium.

If you have insurance now, you will definitely be able to shop for the lowest rates using the tips covered below. Finding affordable auto insurance coverage in Northport is quite easy. Nevertheless, Alabama car owners must understand how the larger insurance companies price online insurance because rates fluctuate considerably.

Auto insurance companies in Alabama

The companies shown below offer comparison quotes in Alabama. If multiple providers are shown, it's a good idea that you visit several of them in order to find the cheapest rates.

Insurance Rate Estimates for Popular Vehicles in Northport
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $838 $419 $70
Chevrolet Silverado LT Crew Cab 2WD $1,168 $584 $97
Dodge Ram Crew Cab ST 4WD $1,400 $700 $117
Ford Escape XLS 2WD $750 $375 $63
Ford Explorer Limited 2WD $1,196 $598 $100
Ford F-150 XLT Super Cab 2WD $974 $487 $81
Ford Focus SE 4-Dr Sedan $908 $454 $76
GMC Sierra SLE Regular Cab 2WD $1,158 $579 $97
Honda Accord LX-S 2-Dr Coupe $1,002 $501 $84
Honda CR-V EX-L 4WD $1,142 $571 $95
Honda Civic LX 2-Dr Coupe $1,274 $637 $106
Jeep Grand Cherokee Laredo 2WD $940 $470 $78
Mazda 3 S Grand Touring 4-Dr Sedan $1,110 $555 $93
Nissan Altima 2.5 S 4-Dr Sedan $1,110 $555 $93
Toyota Camry LE $1,316 $658 $110
Toyota Corolla XLE $944 $472 $79
Volkswagen Jetta SE 2.5 Station Wagon $1,200 $600 $100
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Rates do not factor in specific garaging location which can alter auto insurance rates greatly.

Insurance rate increases from tickets or accidents

The illustration below illustrates how violations and at-fault fender-benders can raise Nissan Altima car insurance costs for different age categories. The premiums assume a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.

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

Price comparison of only insuring for liability

The example below illustrates the comparison of Chevrolet Tahoe premium costs with liability coverage only compared to full coverage. The costs are based on no claims, a clean driving record, $100 deductibles, married male driver, and no discounts are applied to the premium.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comp and collision

There is no clear-cut formula for excluding physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's say your Chevrolet Tahoe book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after you pay the deductible. If you are currently paying more than $500 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where dropping full coverage is not in your best interest. If you haven't paid off your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Components of your insurance prices

Multiple criteria are used when you quote your car insurance policy. Some factors are common sense such as your driving record, but some are not quite as obvious such as your marital status or your financial responsibility.

Lower rate quotes with discounts

Some providers don't always publicize every possible discount very clearly, so we break down both the well known as well as the least known ways to save on insurance.Save money with discounts

A quick disclaimer, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like it's possible to get free car insurance, company stockholders wouldn't be very happy.

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

Before purchasing a policy, check with each insurance company which discounts you qualify for. Some discounts may not be offered everywhere. To choose insurance companies who offer free insurance quotes in Northport, click here to view.

What is the best auto insurance coverage?

When quoting and comparing the right insurance coverage, there really is not a one-size-fits-all type of policy. Your needs are unique to you.Auto insurance savings

For instance, these questions can help discover if your insurance needs might need professional guidance.

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance claim statistics

Which vehicles statistically have the fewest claims? The statistics below show the highest and lowest makes and models for overall likelihood of filing claims.

Manufacturer Models with the Lowest and Highest Car Insurance Comprehensive Claims
Lowest Claim Frequency Highest Claim Frequency
Chevy Silverado 2500 Maserati Granturismo
Chevy Spark Audi S7
Smart ForTwo Bentley Continental GT
GMC Sierra 2500 BMW M6
Infiniti QX50 BMW M6
Nissan Leaf Mercedes-Benz S Class

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 SuperCrew Hyundai Accent
Land Rover Range Rover Sport Chevrolet Spark
Ford F-250 SuperCrew Mitsubishi Lancer
Ford Expedition Kia Forte
Chevrolet Silverado 2500 Chevrolet Sonic
Chevrolet Corvette Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Chevrolet Sonic
Mercedes-Benz SL Class Chevrolet Impala
Subaru Outback Chevrolet Cruze
Volvo XC60 Kia Rio
Subaru Forester Hyndai Accent
Acura MDX Kia Optima

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Colorado Bently Continental GTC
Ford F-250 SuperCab BMW M6
Ford F-150 SuperCrew Audi RS7
Nissan Xterra Maserati Granturismo
Mini Cooper Bentley Continental Flying Spur
Jeep Wrangler Nissan GT-R

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Persistent drivers can save

When searching for affordable Northport auto insurance quotes, never buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy enough coverage at an affordable rate and still be able to protect your assets.

We just presented many tips how you can save on insurance in Northport. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the best price on insurance is with the least-expected company.

Cheaper insurance in Northport is definitely available on the web in addition to many Northport insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don't offer online price quotes and most of the time these smaller providers prefer to sell through independent agents.

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