How to Save on Car Insurance in Prichard

Are you intimidated by the dozens of car insurance choices that you can choose from? Many other people are too. There are so many choices to choose from that it can easily become a difficult situation to locate the lowest premium rates. Prichard is an awesome place to live, but expensive car insurance rates can make it very difficult to pay for enough car insurance coverage.

Inconceivable but true, the majority of drivers have bought car insurance from the same company for four years or more, and practically 40% of car insurance customers have never even shopped around for cheaper coverage. With the average premium in Alabama being $1,300, drivers could save up to 40% each year just by getting comparison quotes, but they don't want to take the time to compare rates.

How to lower your car insurance cost in Prichard

To find cheap rates, there are a couple of ways to compare rate quotes from local Prichard car insurance companies. The easiest way to compare insurance prices is simply to get online rate quotes. It's important to know that comparing a wide range of rates provides better odds of finding more affordable insurance. Some companies don't provide online quotes, so it's important to also get price quotes on coverage from those companies, too.

The companies shown below have been selected to offer comparison quotes in Prichard, AL. If multiple companies are shown, we suggest you visit several of them in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Prichard
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $1,158 $579 $97
Dodge Ram Crew Cab TRX 4WD $932 $466 $78
Ford Escape XLT 4WD $890 $445 $74
Ford F-150 Lariat Crew Cab Harley 4WD $986 $493 $82
Ford Focus SE 4-Dr Sedan $1,040 $520 $87
Ford Fusion S 4-Dr Sedan $1,148 $574 $96
Honda Accord EX 2-Dr Coupe $1,288 $644 $107
Honda CR-V EX-L 4WD $812 $406 $68
Honda Civic DX 2-Dr Coupe $1,174 $587 $98
Hyundai Sonata SE 4-Dr Sedan $1,148 $574 $96
Kia Optima SX $1,278 $639 $107
Nissan Altima 2.5 S 2-Dr Coupe $1,144 $572 $95
Toyota Camry SE $1,406 $703 $117
Toyota Corolla LE $974 $487 $81
Toyota Prius $1,090 $545 $91
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific Prichard garaging location which can affect prices noticeably.

Prichard insurance premiums by gender and age

The chart below visualizes the comparison of insurance premiums for male and female drivers in Prichard. The rate quotes are based on no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration on a Toyota Camry SE.

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

Irresponsible driving raises your rates

The example below demonstrates how speeding tickets and at-fault fender-benders drive up Hyundai Elantra car insurance rates for different age groups. The costs are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance discounts are available for cheaper rates

Insurance can be prohibitively expensive, but you may find discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of purchase, but a few must be asked about before they will apply. If you aren't receiving every discount possible, it's possible you qualify for a lower rate.Auto insurance discounts

You should keep in mind that some credits don't apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.

Companies that may offer policyholders some of the above discounts include:

When comparing rates, check with all companies you are considering which credits you are entitled to. All car insurance discounts might not be offered on policies in Prichard. If you would like to view auto insurance companies who offer discounts in Alabama, click here to view.

Cost influencing factors

It's important that you understand some of the things that come into play when calculating the price you pay for auto insurance. When consumers understand what controls the rates you pay, this allows you to make good choices that can earn you better auto insurance rates. Many factors are taken into consideration when pricing auto insurance. Some are obvious such as your driving history, but some are less apparent like where you live or how safe your car is.

Safeguard your assets with liability coverage - A critical coverage on your policy, liability insurance is the protection when a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.

Gender matters - Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that women are BETTER drivers than men. Women and men cause auto accidents in similar numbers, but the males have accidents that have higher claims. Men also statistically receive more costly citations like DWI (DUI) or reckless driving. Teenage male drivers are the most expensive to insure and thus pay the highest rates.

Low credit history equals high costs - Having a bad credit rating is a big factor in your rate calculation. If your credit could use some work, you could pay less to insure your vehicle if you clean up your credit. Insureds that have excellent credit scores tend to be more responsible than those with lower credit scores.

High physical damage deductibles equal low rates - Physical damage deductibles represent how much money you are willing to pay if a claim is determined to be covered. Insurance for physical damage to your car, also called 'full coverage', protects your car from damage. Some examples of covered claims are colliding with a stationary object, collision with a deer, and damage caused by road hazards. The larger the amount the insured is willing to pay, the lower your rates will be.

Tickets and citations cost more than a fine - How you drive influences premium rates substantially. Attentive drivers get better rates compared to bad drivers. Just one speeding ticket could increase your next policy renewal forty percent or more. Drivers who have received multiple citations like DUI or willful reckless driving might be required by their state to submit a SR-22 or proof of financial responsibility with their state's department of motor vehicles in order to legally drive.

Marriage is a factor - Walking down the aisle actually saves money compared to being single. Having a significant other may mean you are more mature and responsible and insurance companies reward insureds because being married results in fewer claims.

Car insurance claim information

Are you driving a high-claim vehicle? The following claim statistics show the best and worst manufacturer models for the overall chance of having to file claims.

Lowest and Highest Collision Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Jeep Wrangler Bently Continental GTC
GMC Canyon Audi RS7
Chevrolet Colorado Ferrari 458
Ford Edge BMW 6 Series
Ford F-250 SuperCab Bently Continental GT
Mini Cooper Maserati Granturismo

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

Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevy Silverado 2500 Maserati Granturismo
Chevy Spark Porsche Panamera GTS
Infiniti QX50 Bentley Continental GT
Nissan Leaf Bentley Continental GTC
Ford F-350 BMW M6
Nissan Xterra Mercedes-Benz S Class

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

Medical Payment Insurance Claims by Vehicle
Lowest Claims Highest Claims
Ford Expedition Mitsubishi Mirage
Chevrolet Corvette Kia Forte
Audi A4 Allroad Chevrolet Spark
Chevrolet Silverado 3500 Nissan Versa
Chevrolet Silverado 2500 Chrysler 200
Tesla Model S Dodge Charger

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

Liability Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Subaru Forester Mitsubishi Lancer
Acura MDX Dodge Charger
Chevrolet Corvette Kia Rio
Volvo XC60 Mitsubishi Mirage
Audi A6 Kia Optima
Mercedes-Benz SL Class Hyndai Accent

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

Does car insurance advertising bend the truth?

Well-known car insurance companies like State Farm, Allstate and GEICO endlessly run ads on television and other media. They all seem to try to convey promises that drivers can save some big amount if you change your policy. How does every company charge you a lower premium? It's all in how they say it.

Different companies quote their cheapest rates for the type of insured that will most likely be profitable. For example, a profitable insured may need to be over the age of 50, has a clean driving record, and has a short commute. Any new insured who matches those parameters gets the lowest auto insurance rates and will most likely cut their car insurance rates if they switch.

Drivers who are not a match for the "perfect" profile may receive higher prices and business going elsewhere. The ad wording is "drivers who switch" but not "all drivers who get quotes" save the amount stated. This is how companies can advertise the savings. Because of this risk profiling, drivers must compare as many free Prichard auto insurance quotes as you can. It's just not possible to know which insurance companies will have the lowest rates for your situation.

Quote more to save more

Consumers who switch companies do it for a variety of reasons including policy cancellation, being labeled a high risk driver, poor customer service and an unsatisfactory settlement offer. Regardless of your reason, finding the right auto insurance provider can be pretty painless.

When shopping online for auto insurance, do not reduce coverage to reduce premium. There are too many instances where someone sacrificed full coverage only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.

Cost effective auto insurance is possible online in addition to many Prichard insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not have online price quotes and these small, regional companies provide coverage only through local independent agents.

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