How to save money on car insurance in Birmingham, Alabama

Your Birmingham auto insurance premium is probably a little higher than you would like. You may have even undertaken a crusade to save money on car insurance so you don’t have to upend your piggy bank every month when your payment comes due. Why does it have to be so hard to get cheap Alabama car insurance? Before you declare saving money on auto insurance to be mission impossible, check out the following tips.

How to save money on Alabama car insurance.

1. Be a safe driver.

Here’s the deal:

If you’ve got tickets or accidents on your driving record, that makes you more of a risk for the insurance company to insure. Tickets are indicators that you’re not the safest driver and that you could be more likely to file a claim.

Get a bundled home & auto insurance quote now and save!

Why do we say all of this?

The more of a risk you are to insure, the higher your car insurance rates could be. You could save money on your premium simply by being a safe driver. That means no speeding, no texting and driving, and no following too closely.

Other drivers on the road – and your wallet – will thank you.

2. Choose a higher deductible.

Your deductible is the amount you agree to pay if you have a claim. You’ve got your portion and the insurance company has theirs.

At first glance, it might seem like the best course of action is to choose the lowest deductible. But there’s a compelling reason to raise your deductible if you’re financially able to do so.

The higher you set your deductible, the lower your premium could be. That’s because you’re less likely to file a claim and you’re shouldering more responsibility for any possible claims.

But before you raise your deductible, you have to evaluate your finances. You don’t want to set your deductible so high that it would be a huge financial blow for you to pay. Think about how much you could comfortably afford to pay in the event of a claim.

3. Bundle your Alabama home insurance and auto insurance.

Bundling is when you get multiple types of coverage from the same company. If you get home and auto insurance from the same carrier, you could get a discount and score some easy savings on your insurance. Consider if bundling makes sense for you and do some research to see if the savings make it worthwhile for you to switch both coverages to one company. Every insurance scenario is different, so you need to get some quotes for Birmingham home insurance.

car insurance prices in birmingham

Get multiple quotes and save money on Alabama car insurance.

4. Select a safe car.

Yes, the sports car is very cool. And it has a very powerful engine. But thing is, it might be very pricey to insure.

If you’ve got a car with safety features like anti-lock brakes, you could get lower car insurance rates. You could also get a discount if your car has an anti-theft device.

Anyways, when you’re buying a car and making a decision, try to do some research on its safety ratings and get an idea of how much it will cost to insure. That way you avoid any unpleasant surprises about your premium.

5. Ask about discounts.

Many car insurance companies offer discounts to help drivers save money – and motivate them to be safe. Many of these discounts reward safe drivers. Now, every company is different and they all offer their own discounts and pricing. You can ask your agent or even check out the insurance company’s website to see what they offer.

Some possible discounts include…

  • Multi-vehicle discount if your family has more than one car
  • Good student discount if you’re in high school or college and have good grades (and sometimes the discount will even roll over after you graduate from college)
  • Low mileage discount if you don’t drive very much
  • Safe-driver/Accident-free discount (See, told you being a safe driver pays off)
  • Safe vehicle
  • Anti-theft device

6. Raise your credit score.

Your credit score is sometimes used to show how much of a risk you are. If you’ve got a good credit score, you’re seen as being less of a risk. And, as we’ve said before, the less of a risk you are, the lower your premium.

7. Shop for Alabama car insurance.

Buying Birmingham car insurance is sort of like buying a new refrigerator. Think about it – you wouldn’t just blindly pick the first one you see, right? You’d want to examine several models and do some research on pricing.

So, the same idea applies to your insurance. It’s important to compare coverages and pricing to make sure you’re getting the best coverage at the best rate. Each insurance company will offer you a different quote, and since each company evaluates risk differently, you could get a lower price for the same coverage just by getting multiple quotes.

Pro tip: Don’t sacrifice coverage for price and choose a financially stable, reputable insurance company.

Get auto insurance quotes in Alabama.

And remember, you’re not in the shopping game alone. Our team of insurance experts can help you get multiple quotes for Birmingham car insurance. We’ll go over coverage options with you and help you find the right insurance for you. To get in touch with our team, fill out our online form or give us a call today.


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