Are you looking for a better way to compare the cheapest car insurance rates in Mobile, AL? Do you get exhausted from paying out the nose to insure your vehicles every month? You are no different than many other Alabama drivers.
A study showed that most car insurance buyers in Alabama have remained with the same car insurance company for a minimum of four years, and virtually 40% of consumers have never shopped around. American consumers could save roughly $860 each year just by comparing rates, but they assume it's a waste of time to compare rates and save money. Big-name insurance companies like Allstate, Liberty Mutual and State Farm increase brand awareness with TV and radio ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.
If you have insurance now or just want cheaper rates, follow these tips to find the best rates without having to cut coverage. Finding the cheapest auto insurance coverage in Mobile is not rocket science. Smart shoppers only need an understanding of how to shop their coverage around from many different companies.
Choices you make can decrease your rates
Part of the car insurance buying process is learning a few of the rating criteria that help determine your premiums. If you have a feel for what controls the rates you pay, this enables you to make decisions that can help you get lower car insurance prices. Multiple criteria are considered when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but other criteria are not quite as obvious like your continuous coverage or your commute time.
Performance impacts costs - The make and model of the car, truck or SUV you need to insure makes a huge difference in determining your rates. The lowest premiums will normally be found when insuring lower cost passenger cars, but the cost you end up paying is determined by many additional factors.
Occupation stress can affect premiums - Occupations like doctors, air traffic controllers, and emergency personnel tend to pay higher average rates in part from high stress and incredibly demanding work hours. On the flip side, careers like scientists, students and performers receive lower rates.
Gender as a rate factor - Statistics have proven women are more cautious behind the wheel. However, don't assume that women are BETTER drivers than men. Women and men are responsible for fender benders at a similar rate, but the males have costlier accidents. In addition to higher claims, males also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
Cautious drivers pay lower costs - How you drive has a huge affect on how much you pay. Just one moving violation can boost insurance rates forty percent or more. Attentive drivers pay less for auto insurance as compared to those with violations. Drivers who get license-revoking violations like DUI or reckless driving are required to submit a SR-22 form with the DMV in their state in order to keep their license.
Pleasure use saves money - The higher the miles on your car every year the higher your rates will be. Most companies charge rates based upon how you use the vehicle. Vehicles that sit idle most of the time qualify for better rates than vehicles that have high annual mileage. Make sure your car insurance declarations sheet properly reflects how each vehicle is driven, because it can save money.
Incidental coverages can cost a lot - There are a lot of extra coverages you can purchase if you aren't careful. Add-on coverages like rental car reimbursement, better glass coverage, and motor club memberships could be just wasting money. These may sound like a good investment when discussing your needs, but if you have no use for them get rid of them and save.
The easiest way to compare rate quotes is to know the trick auto insurance companies pay for the opportunity to provide you with a free rate quote. The only thing you need to do is give them some information such as how many miles driven, your education level, if you lease or own, and the type of vehicles you drive. Your rating data is then sent to insurance companies and you should receive rate quotes quickly.
To start a rate quote now, click here and find out if lower rates are available in Mobile.
The providers in the list below provide comparison quotes in Alabama. If multiple companies are listed, it's highly recommended you get rate quotes from several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LTZ||$1,212||$606||$101|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,534||$767||$128|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,040||$520||$87|
|Ford Edge Limited AWD||$1,060||$530||$88|
|Ford Escape XLS 2WD||$782||$391||$65|
|Ford F-150 Lariat Crew Cab 4WD||$1,082||$541||$90|
|Ford Focus SES 4-Dr Sedan||$1,194||$597||$100|
|GMC Sierra SLE Extended Cab 4WD||$1,270||$635||$106|
|Honda Accord LX-P 4-Dr Sedan||$940||$470||$78|
|Honda CR-V EX-L 4WD||$756||$378||$63|
|Honda Civic LX 2-Dr Coupe||$1,274||$637||$106|
|Hyundai Elantra GLS Touring Station Wagon||$1,012||$506||$84|
|Nissan Altima Hybrid 4-Dr Sedan||$1,010||$505||$84|
|Toyota Camry SE||$1,186||$593||$99|
|Toyota Corolla XRS||$1,110||$555||$93|
|Volkswagen Jetta S 4-Dr Sedan||$1,048||$524||$87|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Table data does not factor in specific zip code location which can raise or lower prices significantly.
Annual premiums comparing men and women in Mobile
The illustration below shows the difference between insurance costs for male and female drivers in Mobile. The information is based on no claims or driving citations, full coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium on a Nissan Altima 3.5 SR.
Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Impact of citations and accidents on insurance rates
The diagram below shows how violations and accidents influence Chevrolet Silverado premium costs for each different age category. The rates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Can higher deductibles save money?
When shopping for auto insurance, a common question is what deductibles to buy. The figures shown below illustrate the costs and benefits between low and high policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second data table uses a $500 deductible.
Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$260||$440||$338||$20||$100||$1,183||$99|
|Fusion SE 4-Dr Sedan||$294||$518||$338||$20||$100||$1,295||$108|
|Fusion Hybrid 4-Dr Sedan||$294||$596||$422||$24||$126||$1,487||$124|
|Fusion SEL 4-Dr Sedan||$294||$518||$338||$20||$100||$1,295||$108|
|Fusion Sport 4-Dr Sedan||$294||$518||$338||$20||$100||$1,295||$108|
|Fusion SEL AWD 4-Dr Sedan||$328||$596||$338||$20||$100||$1,407||$117|
|Fusion Sport AWD 4-Dr Sedan||$328||$596||$338||$20||$100||$1,407||$117|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$212||$354||$338||$20||$100||$1,024||$85|
|Fusion SE 4-Dr Sedan||$240||$418||$338||$20||$100||$1,116||$93|
|Fusion Hybrid 4-Dr Sedan||$240||$480||$422||$24||$126||$1,292||$108|
|Fusion SEL 4-Dr Sedan||$240||$418||$338||$20||$100||$1,116||$93|
|Fusion Sport 4-Dr Sedan||$240||$418||$338||$20||$100||$1,116||$93|
|Fusion SEL AWD 4-Dr Sedan||$266||$480||$338||$20||$100||$1,204||$100|
|Fusion Sport AWD 4-Dr Sedan||$266||$480||$338||$20||$100||$1,204||$100|
|Get a Quote for Your Vehicle Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific location which can impact coverage prices substantially.
Based on the above data, using a $250 deductible costs about $16 more each month or $192 each year than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you average at least 16 months between claims, you would most likely save money by selecting a higher deductible.
Save 15 percent in 15 minutes? Is it for real?
Alabama drivers get pounded daily by advertisements that claim the best rates from companies such as State Farm, Allstate and GEICO. They all try to convey promises that drivers will save a bundle if you move your car insurance coverage to their company.
How do they all give you a lower rate on car insurance? This is the trick they use.
Companies can use profiling for the type of driver that earns them a profit. For instance, a profitable insured might be described as between the ages of 30 and 45, has no claims, and does not commute to work. A customer getting a price quote who fits those characteristics will probably get cheap prices and have a good chance to cut their rates substantially.
Insureds who may not quite match these stringent criteria may receive a higher rate and this can result in the driver buying from a lower-cost company. If you listen to the ad wording, they say "people that switch" but not "all drivers who get quotes" save that kind of money. That is how insurance companies can confidently state the savings. Each company has different criteria, so you should compare as many free Mobile auto insurance quotes as you can. It's not possible to predict which car insurance company will fit your personal profile best.
Insuring your vehicle just makes sense
Even though it's not necessarily cheap to insure a vehicle in Mobile, buying auto insurance is not optional due to several reasons.
First, most states have minimum liability requirements which means state laws require specific minimum amounts of liability protection 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 have a lien on your vehicle, most lenders will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender will be forced to insure your vehicle for a lot more money and make you pay a much higher amount than you were paying before.
Third, insurance safeguards both your assets and your vehicle. It will also provide coverage for many types of medical costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are sued as the result of an accident. If your vehicle gets damaged, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of having auto insurance greatly outweigh the cost, specifically if you ever have a liability claim. An average driver in America overpays more than $869 every year so smart consumers compare quotes once a year at a minimum to save money.
Don't neglect these discounts on insurance
Properly insuring your vehicles can get expensive, but you may qualify for discounts that you may not know about. Certain discounts will be applied when you quote, but a few must be asked about before you get the savings.
- New Vehicle Savings - Insuring a new car may earn a small discount because new vehicles have to meet stringent safety requirements.
- Home Ownership Discount - Just being a homeowner can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
- Passenger Safety Discount - Options like air bags or automatic seat belts can get savings up to 30%.
- Pay Upfront and Save - If you can afford to pay the entire bill rather than spreading payments over time you may reduce your total bill.
- Defensive Driver - Passing a defensive driving course can save you 5% or more if your company offers it.
- Memberships - Being a member of qualifying employment or professional organizations is a simple method to lower premiums when shopping for insurance.
- Senior Citizen Rates - Mature drivers can get reduced rates.
- Good Students Pay Less - This discount may save you up to 25%. The discount lasts up to age 25.
- Accident Forgiveness - This one is not really a discount per se, but certain companies may permit one accident without getting socked with a rate hike if your claims history is clear for a specific time period.
- Discount for Swiching Early - Select insurance companies give a discount for signing up before your current policy expires. It could save around 10% when you buy Mobile auto insurance online.
You can save money using discounts, but most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, it's just not the way it works.
A few companies that may have some of the above discounts are:
When comparing rates, check with all the companies which credits you are entitled to. Discounts may not apply to policies in your area. To view companies who offer discounts in Mobile, click this link.
When should I contact a local insurance agent?
Some people just want to talk to an insurance agent and that is OK! Insurance agents can help you choose the best coverages and help you file claims. The biggest benefit of comparing insurance online is that you can find the lowest rates but also keep your business local.
By using this short form, the coverage information is sent to insurance agents in Mobile who want to provide quotes to get your business. There is no need to contact an agency since rate quotes are delivered to you instantly. If you have a need to compare prices from a specific company, don't hesitate to search and find their rate quote page and give them your coverage information.
Picking the best insurer requires you to look at more than just a cheap quote. A good agent in Mobile will have answers to these questions.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is there a Errors and Omissions policy in force?
- Is the agent properly licensed in Alabama?
- How many years have they been established?
- How are they compensated?
Auto insurance agents in Mobile come in two varieties
If you would like to find a reliable insurance agency, it's helpful to know the different types of agencies and how they differ in how they quote coverages. Agents in Mobile can be categorized as either exclusive or independent agents depending on their company appointments. Either can sell affordable insurance policies, but it's good to learn why they differ since it may influence the type of agent you choose.
Exclusive Insurance Agents
Agents that choose to be exclusive write business for a single company and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide other company's prices so you might not find the best rates. Exclusive insurance agents are very knowledgeable on their products and sales techniques which aids in selling service over price.
The following are exclusive agencies in Mobile willing to provide price quote information.
Independent Agencies or Brokers
Agents of this type often have many company appointments and that is an advantage because they can write policies amongst many companies and potentially find a lower price. If they find a cheaper price, the agent simply finds a different carrier and the insured can keep the same agent.
When searching for an agent, we highly recommend that you contact independent agents for maximum quote selection.
Below are Mobile independent insurance agents that are able to give rate quotes.
Once you have received satisfactory answers to any questions you have and a good coverage price, chances are good that you have found an auto insurance agent that can insure your vehicles. But remember, you can cancel your coverage at any point so never feel that you're stuck with a policy for the entire policy term.
Cheaper coverage is out there
We've covered a lot of ways to lower your insurance prices in Mobile. The key thing to remember is the more you quote Mobile auto insurance, the better your comparison will be. Drivers may even discover the biggest savings come from an unexpected company. These companies often have lower rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.
Cost effective insurance is attainable from both online companies and with local Mobile insurance agents, so you need to quote Mobile auto insurance with both to have the best selection. Some insurance providers may not provide online price quotes and these smaller providers sell through independent agents.
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