Cheap Rates on Center Point Car Insurance

Do you want to learn how to find more affordable auto insurance rates in Center Point, AL? Feel like you're a prisoner to high-priced auto insurance? Don't sweat it because you're not alone.

A recent study showed that a large majority of consumers have stayed with the same insurance company for a minimum of four years, and almost half have never even compared quotes to find cheap rates. Most drivers in Alabama could pocket approximately $500 a year by just comparing quotes, but most tend to underestimate how much they could save if they moved their coverage to a different company.

There are many insurers to pick from, and even though it's nice to have a selection, more options can take longer to find the lowest cost provider.

Auto insurance companies in Alabama

The companies shown below have been selected to offer quotes in Alabama. If several companies are displayed, we recommend you click on several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Center Point
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 4WD $1,504 $752 $125
Dodge Ram Quad Cab SLT 4WD $1,244 $622 $104
Ford Edge SE 2WD $934 $467 $78
Ford Escape XLT 4WD $1,044 $522 $87
Ford F-150 Lariat King Ranch 4WD $1,118 $559 $93
Ford Focus SE 2-Dr Coupe $1,496 $748 $125
Ford Fusion Sport 4-Dr Sedan $938 $469 $78
Honda Accord EX-L 4-Dr Sedan $720 $360 $60
Honda CR-V LX 4WD $858 $429 $72
Honda Civic VP 4-Dr Sedan $900 $450 $75
Jeep Grand Cherokee Limited 2WD $1,110 $555 $93
Mazda 3 I Touring 4-Dr Sedan $1,236 $618 $103
Nissan Altima 2.5 4-Dr Sedan $940 $470 $78
Toyota Camry LE $1,048 $524 $87
Toyota Corolla XRS $840 $420 $70
Toyota Tacoma Double Cab 4WD $1,072 $536 $89
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in garaging location in Center Point which can affect auto insurance rates noticeably.

How high should deductibles be?

The information below demonstrates how deductibles and can raise or lower Honda Accord insurance rates for different age groups. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

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

Discounts for cheap auto insurance quotes

Companies that sell car insurance don't necessarily list the complete list of policy discounts very clearly, so the list below details a few of the more common and the harder-to-find auto insurance savings. If you check and find you aren't receiving every discount possible, you're paying more than you need to.Auto insurance discounts

A little disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will help reduce the premium cost.

A few popular companies and some of the discounts can be found below.

When quoting, ask each company the best way to save money. Some credits might not be available to policyholders everywhere. To locate auto insurance companies that offer the discounts shown above in Center Point, click this link.

Auto insurance claim statistics

Do you own a high-claim vehicle? The next tables show the worst and best manufacturer models for the probability of having large claims for each type of coverage listed.

Lowest and Highest Collision Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Bently Continental GT
Mini Cooper Audi RS7
Ford F-150 SuperCrew Ferrari 458
Ford F-250 SuperCab Maserati Granturismo
GMC Canyon BMW 6 Series
Jeep Wrangler Maserati Ghibli

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

Vehicles with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Mercedes-Benz S Class
GMC Sierra 2500 Porsche Panamera GTS
Volvo V60 Bentley Continental GTC
Smart ForTwo Audi S7
Nissan Leaf BMW M6
Chevy Spark Bentley Continental GT

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

Lowest and Highest Medical Payment Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Hyundai Accent
Ford F-350 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 2500 Nissan Sentra
Tesla Model S Kia Forte
Ford Expedition Chevrolet Spark
Land Rover Range Rover Sport Dodge Charger

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

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Kia Optima
Chevrolet Corvette Chevrolet Impala
Acura MDX Mitsubishi Lancer
Fiat 500 Kia Rio
Volvo XC60 Mitsubishi Mirage
Audi A6 Dodge Charger

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

More effort can pay off

Budget-friendly car insurance in Center Point can be found from both online companies and from local agencies, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not offer online quoting and many times these smaller providers provide coverage only through independent agents.

We just covered many ideas to shop for car insurance online. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding cheaper Center Point car insurance quotes. Consumers may even find the lowest prices are with some of the smallest insurance companies. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as GEICO and State Farm.

Additional detailed information can be found at these sites: