Save Money on Auto Insurance in Opelika

Nobody that owns a car looks forward to buying auto insurance, especially when they are aware that their premiums are too high.

Shocking but true, 70% of consumers have been with the same company for a minimum of four years, and practically 40% of auto insurance customers have never quoted auto insurance rates at all. Alabama insurance shoppers could save about $490 a year just by comparing rates, but most just don't grasp how much money they would save if they moved their coverage to a different company. There is such a variety of insurance companies to purchase coverage from, and even though it's nice to have multiple companies, it can be more difficult to get the best deal.

It's a great practice to compare prices before your next renewal because auto insurance prices go up and down regularly. Just because you had the best deal on auto insurance a year ago there is a good chance you can find better premium rates now. You'll find a ton of advice on auto insurance out there, but I'm going to show you some solid techniques on how to reduce your auto insurance bill.

The following companies can provide price quotes in Opelika, AL. If several companies are displayed, we recommend you visit as many as you can in order to find the cheapest rates.

Insurance Price Estimates for Popular Vehicles in Opelika
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,260 $630 $105
Chevrolet Impala LS $1,298 $649 $108
Chevrolet Silverado LS Regular Cab 2WD $994 $497 $83
Dodge Ram Crew Cab SLT 4WD $1,546 $773 $129
Ford Edge Limited AWD $842 $421 $70
Ford Escape XLS 2WD $1,132 $566 $94
Ford F-150 Lariat Crew Cab 2WD $1,226 $613 $102
Ford Focus SES 2-Dr Coupe $1,196 $598 $100
GMC Sierra SLT Crew Cab 2WD $1,110 $555 $93
Honda Accord EX-L 4-Dr Sedan $970 $485 $81
Honda CR-V LX 4WD $1,008 $504 $84
Honda Civic DX 4-Dr Sedan $1,036 $518 $86
Jeep Grand Cherokee Limited 2WD $1,260 $630 $105
Nissan Altima Hybrid 4-Dr Sedan $1,134 $567 $95
Toyota Camry SE $1,260 $630 $105
Toyota Corolla XRS $960 $480 $80
Toyota Prius $862 $431 $72
Toyota Tacoma 2WD $1,282 $641 $107
Volkswagen Jetta 2.0T Station Wagon $932 $466 $78
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in specific Opelika garaging location which can decrease or increase price quotes greatly.

Car insurance premiums based on gender

The example below compares insurance costs for male and female drivers in Opelika. The data is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no other discounts are factored in on a Ford Focus SEL.

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

Should you raise deductibles?

The diagram below shows how choosing a deductible and can raise or lower Honda Pilot annual premium costs for different age categories. The price estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

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

Does it make sense to buy full coverage?

The illustration below illustrates the difference between Dodge Ram car insurance rates when comparing full coverage to state minimum liability only. The prices are based on a clean driving record, no claims, $250 deductibles, single male driver, and no discounts are taken into consideration.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying full coverage

There isn't a steadfast formula for excluding physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Dodge Ram replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying over $500 annually for full coverage, then you might want to consider buying only liability coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Discounts to earn lower Opelika insurance rates

Not many people think insurance is cheap, but there could be significant discounts that may help make it more affordable. A few discounts will automatically apply when you purchase, but less common discounts must be requested specifically before being credited.Discount insurance

Discounts reduce rates, but you should keep in mind that some credits don't apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Just because you may think you could get a free insurance policy, you aren't that lucky. But any discount will bring down the cost of coverage.

To find insurance companies that offer some of these discounts in Opelika, follow this link.

Why you need insurance for your vehicle

Even though it's not necessarily cheap to insure a vehicle in Opelika, maintaining insurance is required by state law in Alabama and it also provides benefits you may not be aware of.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. In a recent study of 1,000 drivers, the average customer is overpaying more than $825 a year so you should quote your policy with other companies once a year at a minimum to help ensure money is not being wasted.

Tailor your car insurance coverage to you

When it comes to a policy for your personal vehicles, there really is not a single plan that fits everyone. Everyone's needs are different.Drive safe and save

These are some specific questions can help discover whether you might need professional guidance.

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It's fast, free and can help protect your family.

Vehicle claim statistics

Are you driving a vehicle that ranks high in claims? The statistics tables below show the best and worst manufacturer models for likelihood of filing claims for each type of coverage.

Vehicle Make and Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo Bentley Continental GTC
Nissan Xterra BMW M6
Chevy Silverado 2500 Audi S7
Infiniti QX50 Maserati Quattroporte
Ford F-350 Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Car Insurance Collision Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Smart ForTwo Maserati Ghibli
Mini Cooper BMW 6 Series
Nissan Xterra Bentley Continental Flying Spur
Jeep Wrangler BMW M6
Ford F-150 SuperCrew Nissan GT-R
GMC Canyon Audi RS7

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Subaru Forester Chevrolet Cruze
Audi A6 Mitsubishi Mirage
Acura MDX Kia Optima
Chevrolet Corvette Hyndai Accent
Mercedes-Benz SL Class Chevrolet Impala
Fiat 500 Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Corvette Nissan Versa
Tesla Model S Chrysler 200
Chevrolet Silverado 3500 Mitsubishi Lancer
Chevrolet Silverado 2500 Mitsubishi Mirage
Audi A4 Allroad Hyundai Accent
Land Rover Range Rover Sport Dodge Charger

Statistics from IIHS.org for 2013-2015 Model Years