Best Ways to Save on Talladega, AL Car Insurance

Do you want a faster way to compare more competitive car insurance rates in Talladega, AL? Having to pay for pricey car insurance in Talladega can deplete your family's budget and force you to prioritize other expenses. Doing a price comparison is recommended to tighten up your finances.

A recent car insurance study discovered that a large majority of drivers in Alabama renewed their policy with the same company for more than four years, and approximately 40% of consumers have never quoted rates to find lower-cost coverage. Consumers in America could pocket almost $850 a year by just comparing rate quotes, but they underestimate the amount of money they would save if they bought a different policy.

Due to the fact that there are so many choices, it can be hard to locate the most affordable insurer.

It's a great practice to check car insurance prices at least once a year because car insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rate on car insurance six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're about to learn one of the best ways to eliminate unnecessary coverages and save money on car insurance.

Locating the most cost-effective auto insurance policy in Talladega is not that difficult as long as you know where to start. Practically every car owner who has to buy auto insurance will most likely be able to save money. But Alabama car owners should learn the methods companies use to sell online because it can help you find the best coverage.

It's important to know that making a lot of price comparisons helps locate better pricing. Not every company allows you to get price estimates online, so it's important to compare price estimates from them as well.

The companies in the list below are ready to provide price comparisons in Alabama. If multiple companies are listed, it's a good idea that you visit as many as you can to get the best price comparison.

Insurance Estimates for Popular Vehicles in Talladega
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 4WD $1,034 $517 $86
Dodge Ram Crew Cab SLT 2WD $874 $437 $73
Ford Escape XLS 2WD $766 $383 $64
Ford F-150 STX Regular Cab 2WD $1,054 $527 $88
Ford Focus SEL 4-Dr Sedan $1,106 $553 $92
Honda Accord LX-S 2-Dr Coupe $1,296 $648 $108
Honda CR-V EX 2WD $750 $375 $63
Honda Civic LX 2-Dr Coupe $1,604 $802 $134
Honda Odyssey EX-L W/Rear Entertainment $1,186 $593 $99
Hyundai Elantra GLS 4-Dr Sedan $944 $472 $79
Nissan Altima 2.5 S 4-Dr Sedan $1,212 $606 $101
Toyota Camry XLE $1,186 $593 $99
Toyota Corolla S $1,430 $715 $119
Toyota Prius $1,136 $568 $95
Toyota Tacoma 4WD $1,000 $500 $83
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Table data does not factor in garaging location in Talladega which can increase or decrease rates substantially.

Irresponsible driving raises your rates

The illustration below demonstrates how traffic citations and at-fault claims raise GMC Acadia insurance prices for each different age group. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance is not optional but you don't have to overpay

Despite the high cost, buying auto insurance is required in Alabama but it also protects you in many ways.

First, most states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance in order to drive the car. 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 your car has a lienholder, more than likely the lender will require you to have full coverage to guarantee loan repayment. If the policy lapses, the bank may insure your vehicle for a much higher rate and require you to reimburse them the higher premium.

Third, auto insurance protects both your assets and your vehicle. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of having insurance are definitely more than the cost, especially for larger claims. The average driver in America is overpaying over $800 each year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Lower Talladega auto insurance premiums

A large part of saving on auto insurance is knowing some of the elements that help calculate auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get lower premium levels.

The factors shown below are some of the major factors auto insurance companies consider when setting premiums.

Increase comp and collision deductibles to save - Your deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, aka comp and collision, covers damage that occurs to your car. Examples of some claims that would be covered could be a windshield broken by a bird, fire damage, or theft of your vehicle. The more of the claim you're willing to pay, the bigger discount you will receive.

Liability protection risk factors in - A critical coverage on your policy, liability insurance is the coverage that protects you if you are determined to be liable for physical damage or personal injury to other. Liability provides legal defense coverage to attempt to prove you were not liable. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Women tend to cost less - The statistics show that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Males and females are responsible for auto accidents at a similar rate, but the males have costlier accidents. Men also tend to get more serious tickets such as reckless driving. Male teenagers cause the most accidents and thus pay the highest rates.

An active claims history can cost you more - Insurance companies in Alabama give better rates to policyholders who are claim-free. If you are the type of insured that files lots of claims you can expect higher premiums or even policy non-renewal. Insurance coverage is intended to be relied upon for larger claims.

Verify you're earning every discount

The price of auto insurance can be rather high, but there's a good chance there are discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time you complete a quote, but a few must be requested specifically prior to receiving the credit.Save money with discounts

You can save money using discounts, but some credits don't apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, you won't be that lucky.

For a list of insurers that offer the discounts shown above in Talladega, click this link.

Independent and exclusive auto insurance agents

Some people would rather have an agent's advice and doing that can be a smart decision One of the best bonuses of comparing rates online is the fact that you can find lower rates and still have an agent to talk to.

Upon completion of this quick form, the coverage information is emailed to local insurance agents in Talladega who will return price quotes for your car insurance coverage. You won't need to contact an agency due to the fact that quote results will go straight to your inbox. You can find lower rates and a licensed agent to work with. If you want to get a price quote from a particular provider, just navigate to their website and fill out their quote form.

Choosing the best insurer needs to be determined by more than just a cheap price. You should also get answers to these questions.

Auto insurance claim statistics

Which are the best vehicles for low claims? The following claim statistics show the worst and best manufacturer models for overall likelihood of having to file claims.

Lowest and Highest Collision Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-150 SuperCrew BMW M6
Jeep Wrangler Bently Continental GT
Chevrolet Colorado Bentley Continental Flying Spur
Ford F-250 SuperCab Audi RS7
Nissan Xterra Bently Continental GTC
GMC Canyon BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 Mercedes-Benz S Class
GMC Sierra 2500 Maserati Quattroporte
Chevy Spark Bentley Continental GTC
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Xterra BMW M6
Nissan Leaf BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Mirage
Tesla Model S Chrysler 200
Land Rover Range Rover Sport Dodge Charger
Ford Expedition Chevrolet Spark
Ford F-250 SuperCrew Hyundai Accent

Statistics from IIHS.org for 2013-2015 Model Years

Bodily Injury Liability Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Acura MDX Dodge Charger
Mercedes-Benz SL Class Mitsubishi Lancer
Subaru Forester Kia Optima
Audi A6 Hyndai Accent
Subaru Outback Mitsubishi Mirage
Chevrolet Corvette Chevrolet Cruze

Statistics from IIHS.org for 2013-2015 Model Years

In Summary

While you're price shopping online, never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability coverage limits and found out when filing a claim that it was a big error on their part. The aim is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

You just read some good ideas how you can get a better price on car insurance in Talladega. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even discover the biggest savings come from a lesser-known regional company. These companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Discount car insurance in Talladega is available both online as well as from independent agents in Talladega, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies don't offer the ability to get quotes online and most of the time these smaller companies only sell through independent agents.

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