How To Get The Best Rates On Car Insurance In California

Before agreeing to any car insurance policy, a driver in California should check that the agent they are dealing with is indeed licensed by the state. To do this they need to contact the California Department of Insurance. If you don’t take this step and the insurance agent or company you ultimately purchase a policy from isn’t licensed, you may not have any protection when an accident occurs.

Although each insurance company uses a slightly different system to determine rates there are things you, as a driver, can do to help ensure you do enjoy the best rates on car insurance in California, including:

Insure all the vehicles in your household in one policy. Many people get married and retain their own car insurance. Many car insurance companies offer a multi-vehicle discount for households where more than one car is insured. This is also a great way to save money if you have a child or parent who drives and they live with you. The more cars you insure in one policy, the larger the savings.

Raise the standard deductible level. When you ask for a car insurance quote the agent you are talking with will likely quote you a price that is based on a low deductible. If you raise that deductible, the premium cost will drop.

Ask your employer about group insurance. Many employers offer the benefit of group health insurance to their employees and some do the same with car insurance. A group policy can save substantially over the cost of an individual policy. This is definitely worth inquiring about.

Being married can also help you to find the best rates on car insurance. Living in certain areas that are viewed as low crime also helps to reduce insurance costs. The most important thing to remember when you go shopping for car insurance in California is to ask about all available discounts and then determine which are relevant to your particular situation.

Most people never give a second thought to whether or not they have health insurance unless they become ill. This is particularly true of young people who often view themselves as invincible. The problem is that no one is, and a serious and life-threatening illness can strike at just about any time.

The California Department of Insurance can offer information to residents looking for health insurance. They can’t however, offer advice on which company is best suited for a particular individual’s insurance needs. This is why it’s so important for anyone considering coverage to research several companies and ask for quotes before making a final decision.

For someone who is young and hasn’t really ever suffered any medical problems beyond the occasional broken bone or head cold, health insurance can seem like a foreign entity. This is ironic in that the best time to buy individual health insurance is when a person is young. This will often generate the lowest rates and if they stay with one company over time, the insured is likely to enjoy renewal discounts.

Deciding what coverage you need is the first step when looking for a policy. If you have a family history of a particular illness such as cardiac problems or cancer, you may want a policy that will provide critical care coverage. If you are dependent on your income on a week-to-week basis, than disability coverage is a must as you will need the coverage to help you pay your bills should you suddenly become ill.

Young people who are parents will have special considerations as children also need eye and dental care in addition to doctor and hospital coverage. A good and experienced insurance agent will work with each individual to produce a policy that is tailored to their medical needs and their budget. This is really the approach to take when looking for the best rates as you’ll get the exact coverage you need at a reasonable price.

How To Get The Best Rates On Car Insurance In Alabama

If you are serious about getting the best rates on car insurance in Alabama then the very first thing you need to do is to look at your own driving style. Do you speed? Do you drive recklessly? Have you ever driven while intoxicated?

These are the kinds of things which can greatly affect how much you pay for car insurance each month. Even one speeding ticket or other moving violation can send your rates skyrocketing. And if you have a conviction for Driving Under the Influence (DUI) or for Driving While Intoxicated (DWI) then you won’t be seeing the best rates on car insurance for several years.

Also, don’t bother your insurance company for the small stuff. Only report major accidents and major damage. Some companies reduce your premium if you are accident-free for as little as six months – other companies make you wait longer, but staying accident-free saves you money.

If possible park your car in a garage at night rather than leave it out on the street. If you can garage your car at night you can save money every month on your premium.

Ask your agent how much you can save every month if you make a one-time purchase of a steering wheel lock or an electronic fuel pump lock that only operates if a secret code is entered or a hidden button is pressed. Both devices are inexpensive and easily installed.

If you are under 25 years old then you are automatically placed in a high-risk insurance category and your premiums reflect this. You can lower your rate by maintaining a flawless driving record, remaining on your parents’ insurance policy (if possible) and by staying in school and maintaining a “B” grade average or better so that you qualify for the 5% Good Student Discount.

Older drivers, those 55 and older are also seen as an increased driving risk. Ask your agent if your company offers a discount if you take and pass a Driver’s Refresher Course. Not all companies offer this discount, but those that do will often deduct as much as 10% off your monthly premium.

If you have recently retired and are no longer driving to work every day be sure to let your agent know as this should trigger a nice monthly decrease in your premiums.

How many miles do you drive in an average month? Many people are starting to use public transportation as often as possible and only driving their vehicle when absolutely necessary or on special occasions. If you can decrease your driving mileage to below 500 miles per month you may qualify for a rather hefty Low Mileage Discount.

If you own more than one car be certain that all of them are insured by the same company. This qualifies you for a Multi-Policy Discount every month.

One of the quickest and easiest ways to decrease your monthly car insurance premium is to simply increase your deductible. However, you need to be careful using this tactic since you have to pay your deductible in cash any time you have a claim before your insurance company will pay its share. Don’t promise to pay more than you can actually afford.

Now it’s time to go online and find 3 different websites that let you compare car insurance prices between different insurance companies. Based on all of the tricks and tips you learned in this article fill out the forms on 3 different comparison websites, being careful to put the exact same information into all three forms so that you are comparing the same policy each time.

Then simply choose the company with the best price – and there you have it! You’ve done your homework, you’ve made your comparisons, and now you’ve gotten the best rates on car insurance in Alabama and you can laugh all the way to the bank each month with all the cash that you’re saving!

How To Get The Best Rates On Automobile Insurance In New Jersey

Driving without automobile insurance in New Jersey is against the law. Not only that, if you’re caught it’s extremely expensive and time-consuming.

Rather than risk the time and expense associated with driving illegally without insurance, why not find a way instead to get the best rates on automobile insurance in New Jersey and sleep well at night?

Fortunately there are several quick and easy things you can do that will help to keep the cost of your automobile insurance down where you can more easily afford it.

Did you know that if you can keep your car in a garage at night that you can save on your automobile insurance each and every month?

Did you know that if you purchase a simple steering wheel “club” you can also save money from many insurance companies?

Did you know that many people are now using public transportation as much as possible and only using their cars for emergencies and special occasions? If you can keep your driving under 500 miles a month your insurance company should give you a Low Mileage Discount on your insurance.

Probably the most important thing you can do if you’re serious about keeping your automobile insurance rates their lowest is simply to always drive safely and legally. All it takes is one speeding ticket or one ticket for any moving violation and your insurance rates will head straight up.

If you are convicted of Driving Under the Influence (DUI) or of Driving While Intoxicated (DWI) you can kiss the whole idea of low automobile insurance rates good-bye – and if you receive a second DWI or DUI conviction you’ll be dogpaddling in the deep end of the high-risk insurance pool with no assurance that you can find automobile insurance at any price.

Newer drivers under 25 are automatically placed in a high-risk insurance category. You can help keep your rates under control by staying in school and keeping your grades up. Maintaining a “B” grade average will earn you a 5% Good Student Discount.

If you already own other insurance policies, such as a life insurance policy or a homeowner’s policy or a health insurance policy you can save a fair amount on your automobile insurance if all of your policies are purchased from the same insurance company.

Also, if you’ve had an automobile policy with the same company for at least 5 years it’s time for you to ask your agent to give you a Long Term Policy Discount on your premium every month.

Then, of course, there’s your deductible. The higher your deductible the lower your insurance premium is going to be. But be careful when you set your deductible because the amount you set represents the cash you will have to take out of your own pocket anytime you have a claim.

Now it’s time to take what you’ve learned in this article and put together an automobile insurance policy that will save you money from day one – and then we’re going to go one better and jump online where we’re going to find the very best deal on your automobile insurance.

Find at least 3 websites that are dedicated to finding you the very best price possible on automobile insurance here in New Jersey and then compare the cost of your dream policy on at least 3 different comparison websites.

By making your price comparisons on at least 3 different websites you can feel confident that you will be seeing the prices of all the different car insurance companies operating in New Jersey.

Now all you have to do is pick the best price and you’re done! You’ve now gotten the best rates on automobile insurance in New Jersey and you’re guaranteed to save as much money as possible month after month. Congratulations!

How To Get The Best Rates On Automobile Insurance In New Hampshire

As a resident of New Hampshire, you live in one of just a handful of states that does not require its citizens to purchase automobile insurance. At least, the state of New Hampshire does not require its good drivers to purchase automobile insurance.

While the state of New Hampshire may not require that you purchase automobile insurance, if you finance your automobile then your lender will demand that you do purchase full automobile insurance coverage in order to protect their investment.

Also, while the state of New Hampshire is rather lenient in its demand that its citizens purchase automobile insurance, the state’s generosity does have its limits.

For example, if you have a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) conviction, you will be required to purchase automobile insurance for a full three years. A second such offense and you will be required to purchase automobile insurance for five full years.

New Hampshire has also initiated a policy of “points” which may be accumulated by each driver too many points (based on an age formula) and you will be required to purchase automobile insurance.

Negative points can be accumulated on your driving record for such things as failure to follow the orders of a police officer, driving on a sidewalk, running a stop sign, speeding and so on. Accumulate too many points and you will be required to purchase automobile insurance.

If you do have to purchase automobile insurance there are several steps you can take to help keep your monthly premiums down.

First, always drive safely and within the law. Tickets for speeding, or any DUI or DWI conviction will send your automobile insurance rates through the roof.

Young drivers are considered a special risk and their premiums generally reflect that fact. However, drivers who remain in school through age 25 and who maintain at least a “B” grade point average can qualify for a Good Student Discount with most insurance companies.

Similarly, drivers 55 and over can often qualify for a discount on their monthly premium if they take and pass a special driver’s refresher course. Not all insurance companies offer such a program for older drivers, so check with your company to see if you might qualify.

One of the quickest ways of lowering your monthly insurance premium is to increase the deductible on your policy. When you increase your deductible you are agreeing to pay a larger portion of the cost to repair your vehicle if there should be a claim. If you agree to pay a larger part of the repair costs associated with a claim, your insurance company will reduce your monthly premium payment.

So now that you have the facts it’s time for you get online and start comparing different policies from different insurance companies side-by-side until you find just the right policy at the lowest price you can find. If you take the extra time to make comparisons on more than one website you will be more likely to have gotten comparisons from every insurance company in New Hampshire and you can then feel confident that you have gotten the best rates on automobile insurance that you are ever likely to find in New Hampshire.

How To Get The Best Rates On Automobile Insurance In Missouri

Do not drive an automobile in Missouri without proper auto insurance. If you drive any non-farm vehicle on a public road in Missouri without insurance you run the risk of severe penalties, including fines and the possible confiscation of your vehicle. In severe cases of repeat offenders jail time is a real possibility.

Nothing like that needs to happen if you will simply take the time to get the best rates possible on your automobile insurance here in Missouri.

Start by taking driver’s ed if you’re in school and maintaining a “B” grade point average. Almost all automobile insurance companies in Missouri offer a Good Student Discount on auto insurance premiums. For those drivers over 55 years of age, talk to your insurance agent about taking a special drivers refresher course. Successfully passing such a course could save you up to 10% on your monthly premiums.

Maintain a clean driving record. Speeding and drinking and driving are not cool and if you get caught not only will the law come down hard on you, but your automobile insurance rates will climb through the roof, and you’ll be “paying the price” for years to come.

If you have other insurance policies, such as a homeowner’s policy or a long term care policy, make sure that all of your policies are being written by the same insurance carrier most insurance companies in Missouri have a multi-policy discount that can save you money on your premiums.

If you’ve been insured by the same company for at least 3 years and you have a clean driving record, ask about a Good Driver Discount. Also, if you only drive a limited amount each week, ask about a Limited Mileage Discount.

Depending on the age and condition of your vehicle you may be able to drop some of your current coverage, such as comprehensive, saving quite a bit of money each year.

But the biggest area where you may be able to control how much you pay for automobile insurance is by increasing your deductible. The more you can pay out of your own wallet for each claim you make and the less that the insurance company has to pay then the lower your monthly automobile insurance premiums will be.

Now that you found every loophole you can use to lower your automobile insurance payments it’s time to get online and get to work comparing auto policies and prices until you find one that’s priced right for you. Don’t make the rookie mistake of thinking that you only have to make comparisons on just one website every site compares a different universe of insurance companies so you need to make comparisons on at least three different websites before you’ll know for sure that you’ve found the best rates on automobile insurance in Missouri.

How To Get The Best Rates On Automobile Insurance In Maryland

Everyone wants to get the best rate on automobile insurance in Maryland. And it’s no wonder since everyone who drives an automobile on any public road in Maryland is required by state law to carry liability insurance, uninsured motorist (UM) insurance as well as personal injury protection (PIP) insurance.

Failure to carry at least the minimum insurance required under Maryland state law carries severe penalties, including but not limited to the revocation of your car’s registration plus the confiscation of your car’s license plates. Additional penalties may be imposed by the courts.

Fortunately there are ways for you to keep the cost of your automobile insurance under control.

Start with your own driving habits. If you speed or drive when intoxicated or while under the influence of any illegal substances and you are caught you can expect your automobile insurance rates to go sky high and you will have no one to blame but yourself.

If you are under 25 years of age you can save money every month on your car insurance by staying in school and maintaining at least a “B” grade point average. “B” students are rewarded with a Good Student Discount on their automobile insurance.

Drivers who are 55 years and older may get some relief from high automobile insurance premiums by passing a driver’s refresher course. Check with your insurance agent to see if your insurance company has such a program. Many do.

If you only drive a few miles per week talk to your agent about a limited use discount. If you primarily use your vehicle only for shopping, doctor visits and similar local errands then you may be entitled to a considerable savings on your insurance.

If your vehicle is old or has little or no Kelly Blue Book value then you may be wise to cancel your collision and comprehensive coverage. Canceling these two coverages can save you considerably on your monthly premiums, although you need to be aware that if you should have a claim the cost for repairing your vehicle will come solely from your own pocket.

If it makes economic sense, increase your deductible. Your deductible is the amount of money that you will be responsible for any time you have a claim. The higher your deductible, the lower your monthly automobile insurance premiums will be.

Now that you have a good idea of the various factors which can contribute to a lower automobile insurance premium, it’s time for you to get online and start comparing different policies and prices at different insurance companies. Fortunately there are literally dozens of websites that make such comparisons a breeze.

If you truly want to get the best rates on automobile insurance in Maryland you really need to fill out the form on at least 2 and preferably 3 different comparison websites. In this way you can be more assured that you will be seeing the rates of all automobile insurance companies that are licensed in the state of Maryland.

How To Get The Best Rates On Automobile Insurance In Iowa

If you have a perfect driving record and if you have enough money in the bank to guarantee that you can pay medical expenses and property damage for any accident you are involved in then the state of Iowa says you don’t need to buy automobile insurance.

Of course, how many of us have the necessary financial resources to cover any accident we may be involved in? Very few.

That’s why the vast majority of drivers want to know how to get the best rates on automobile insurance here in Iowa. And fortunately there are several tips and trick that can help almost any driver save money on automobile insurance month after month.

First let’s look at your driving record. This is where some drivers make their biggest mistake. If you want good rates on your automobile insurance you need a clean driving record. If you have a speeding ticket or other moving violation then chances are you’re going to pay more for your automobile insurance than will someone with a spotless record.

If you have a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) conviction then you will almost certainly pay a much higher premium for the privilege of driving. And if you receive a second conviction for DUI or DWI then you’ll probably be forced to find insurance in the high-risk pool at prices that are truly in the stratosphere.

If you’re under 25 you know how high your insurance rates are. One thing you can do to lower them is to stay in school and maintain at least a 3.0 grade point average. Doing this will earn you about a 5% savings on your automobile insurance every singe month in the form of a Good Student Discount.

Have you been with the same insurance company at least 5 years? Ask your agent if you qualify for a Long-Term Discount.

Do you have other insurance policies with the same insurance company? If so you may be entitled to a Multi-Policy Discount.

If you’re 55 or older you may be eligible to take a special driver’s refresher course. Passing it could save you as much as 10% or even 15% on your monthly premium. Ask your agent if your insurance company offers such a discount.

Do you drive only a few miles each week? Maybe just to the grocery store and back? Maybe to the doctor’s office once a month? If so you could be entitled to a Low-Mileage Discount.

Do you park your car in a garage at night? If so you should ask your agent about a Garaged-Car Discount.

Do you drive an older model, perhaps one that no longer has any Kelly Blue Book value? If so you’re wasting your money if you’re paying for collision or comprehensive insurance. If you’re in an accident your insurance company won’t pay you more than the Kelly Blue Book value of your vehicle, so ask your agent if it is still worth it to you to keep paying for this insurance.

What about your deductible? The more you can afford to pay if you have a claim, and the less your insurance company will be asked to pay the lower your monthly premium cost will be.

Now that you are armed with the knowledge necessary to structure an affordable automobile insurance policy it’s time for you to get online and find at least 3 different websites that are going to let you compare prices between the different insurance companies.

Don’t fall into the trap of thinking that you only need to make your comparison on just one website no website compares all of the insurance companies in Iowa. If you’re really serious about getting the best rates on automobile insurance in Iowa then you’ll need to take the time to make comparisons on at least 3 different sites.

Once you’ve done that then you can feel confident that you have truly found the best deal you possibly could and gotten the best rates on your automobile insurance.

How To Get The Best Rates On Automobile Insurance In Florida

Automobile insurance is something you just have to buy if you want to drive a vehicle on any public roadway here in Florida. There’s no getting around it. Every time an insurance policy is cancelled for any reason the state of Florida is notified and if a new insurance policy isn’t taken out immediately, the state has the power to revoke the uninsured vehicle’s registration tags, making it a crime to drive that vehicle.

The upshot of all of this is that virtually every driver wants to get the best rates on automobile insurance in Florida. The good news it’s not as difficult to drive down your automobile insurance rates as you might have thought.

If your automobile is being financed your lender will require that you not only have your vehicle insured, but that you carry considerably more than the state-required minimum insurance, so if you are considering buying a new car it makes sense to talk to your automobile insurance agent first and find out ahead of time just how expensive it’s going to be to insure the make and model you have your eye on.

Remember, some new cars cost a lot more to insure than others.

Your driving record can affect the cost of your insurance more than almost anything else. Do everything in your power to keep your driving record as pristine as possible. A speeding ticket or any other moving violation will send your premium upward. A conviction for a DUI or a DWI will skyrocket your monthly premium and a second DUI or DWI conviction will send you to the high-risk insurance pool where premiums are over the head of most drivers.

Being young also puts you in a high-risk category. If you’re under 25 there isn’t a lot you can do about your age, but if you stay in school and can maintain at least a 3.0 grade point average then you can qualify for at least a 5% Good Student reduction in your monthly premium.

If you have other insurance policies with the same insurance company, such as life insurance or homeowner’s insurance or health insurance you should qualify for a nice Multi-Policy Discount on your monthly premium.

If you’ve been insured by the same company for 5 years or longer you may very well qualify for a Long-Term Discount on your automobile policy. In fact, most insurance companies have several discounts that are not promoted and it can pay you handsomely to simply call your agent twice a year and ask point-blank if there are any odd-ball discounts of any kind that you might qualify for.

If you are at least 55 years old you may have noticed that your insurance rates have started to climb. You can keep them in check and even reduce them by around 10% if you take and pass a special driver’s refresher course. Not all insurance companies offer this discount so you’ll need to check with your agent to see if you can qualify.

Don’t waste your money paying for collision and comprehensive insurance if your car is so old it has no Kelly Blue Book value. Your insurance won’t pay you more than Blue Book value if your car is damaged, so if your automobile has no Blue Book value you’ll get nothing after an accident regardless of whether you’ve been paying for the insurance or not.

Lastly, how large of a deductible can you honestly afford? The larger your deductible the smaller your monthly automobile premium will be. But don’t make your deductible larger than you can honestly afford since this is cash you’ll need to come up with out of your own pocket any time you file a claim.

O.K. Now you’re armed with everything you need to know in order to create the policy that’s right for you with all of the built-in deductions that you can possibly find. So it’s time to get online and start comparing the cost for your dream policy at every insurance company here in Florida.

Remember, in order to compare every insurance company in Florida you can’t stop after making comparisons on just one site you’ll have to take the extra time to make your comparisons on at least 3 different websites. Once you have done that, and you’ve found the very best rates on automobile insurance in Florida, then you can rest easy and enjoy your saving month after month, year after year.

How To Get The Best Rates On Automobile Insurance In Arkansas

Like all but a tiny handful of states, Arkansas requires every person who drives a motorized vehicle on Arkansas roads to purchase automobile insurance. In Arkansas the minimum liability insurance that a driver must carry is $25,000 bodily injury per person with $50,000 per accident plus an additional $25,000 in property insurance.

If you own a newer vehicle, or a very expensive model, and your vehicle is financed, your lender may require that you carry more than the state-required minimum coverage.

Arkansas also has a system in place to keep track of every single registered vehicle in the state of Arkansas the moment any vehicle becomes uninsured, the state of Arkansas has the ability to revoke that vehicle’s registration, rendering that vehicle illegal to drive.

In other words, Arkansas is serious about drivers purchasing automobile insurance, and since you have to purchase automobile insurance in order to drive on public roads, it just makes sense to search around in order to get the best rates on automobile insurance here in Arkansas.

But before you jump online and start looking for great automobile insurance rates there are a few simple steps you can take that will insure that you are able to get the great rates you need.

Start by driving safely and legally. In other words, speeding tickets and other moving violations are going to shoot your automobile insurance premiums sky high. And if you are convicted of Driving Under the Influence (DUI) or of Driving While Intoxicated (DWI) you can forget finding great rates on your automobile insurance for a minimum of three years.

Younger drivers are considered a bad risk and so their insurance premiums are traditionally higher than most other driver’s rates. However, if you are under 25 and still in school, and you can maintain at least a 3.0 grade point average then you can qualify for a Good Student Discount on your insurance and save anywhere from 5% to 15% each and every month.

Older drivers can get a break as well. If you’re 55 or older you may be able to take a special driver’s refresher course and save as much as 10% on your monthly premium. Not all insurance companies offer this discount, so check with your agent.

If you only drive a few miles each week, talk to your agent about a Low Mileage Discount there’s no point paying for automobile insurance when your car’s just sitting in the garage.

And speaking of garages, if you have a garage that you can keep your car in at night you may qualify for an additional discount.

Is your car an older model? If your car no longer has any Kelly Blue Book value you may want to discontinue paying for comprehensive and collision insurance since your insurance company won’t pay off on those coverages anyway.

And before you buy that brand new expensive muscle car be sure to check with your agent regarding just how much it’s going to cost you in insurance premiums each month. When it comes to how much your insurance is going to cost, not all cars are created equal some cost a lot more to insure than others.

How much of a deductible can you afford? The more you can afford to pay out of your own pocket any time you have a claim and so the less your insurance company is going to pay the less your insurance company will charge you each month for the coverage.

O.K., now it’s time to get online and check out the prices of automobile insurance policies offered by different insurance companies. Remember, no one website compares all of the different insurance companies, so if you really want the very best rates on automobile insurance that you can possibly find in Arkansas, you are going to have to spend a little extra time and make comparisons on at least 3 different sites.

The extra time you take will be well repaid in savings on your automobile insurance premium that will add up month after month.

How To Get The Best Rates On Automobile Insurance In Alabama

As is true in almost every state in the Union, Alabama requires each of its drivers to purchase automobile insurance. Failure to purchase insurance – and then driving on a public roadway – can result in fines and fees and wasted time that, ultimately, is more than if you had simply found and purchased cheap automobile insurance in the first place.

So how do you get the best rates on automobile insurance in Alabama? The answer is surprisingly simple.

Start with your own driving record. If you want the best rates on automobile insurance then you are going to have to drive legally and safely – all the time. If you earn even one speeding ticket or other moving violation then you can’t expect to get the best rates on automobile insurance.

If you are stupid enough and irresponsible enough to drive when drunk or when impaired and you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated) then it will be years – usually a minimum of 3 years – before you will be offered automobile insurance at anything approaching an affordable rate.

Getting the best rates on automobile insurance begins with your choice of car. In the eyes of your insurance company not all cars are created equal. Some cars cost a lot more to insure than others. If you’re really serious about paying the least amount of money possible for your insurance then begin by asking your agent for a list of the least-expensive cars to insure.

If you can keep your car in a garage at night then you will save money on your insurance.

If you can use public transportation for as many of your “driving” needs as possible, you may be able to save quite a bit on your insurance. If you can keep your average driving down to less than 500 miles a month you could qualify for a Low Mileage Discount on your monthly premium.

If you have recently stopped working and you are no longer driving back and forth to work everyday then you will also save money on your insurance. Let your agent know about any change in your routine driving habits.

Adding simple anti-theft features to your car can save you some serious money. Ask your agent how much you could save if you simply purchase (and regularly use) a simple steering wheel locking device. There is also a relatively simple electronic device that shuts off your fuel pump unless you punch in a secret code or press a hidden button. Such devices are inexpensive and relatively easy-to-install yourself. Talk to your agent and see what your monthly savings could be.

Check around at work as well as with any clubs, groups or associations you might belong to and see if any of them offer a group discount rate on automobile insurance. You’d be surprised at how common this is becoming.

If you are 25 years old or younger stay in school and get good grades. If you can manage to maintain at least a “B” average then you could save 5% each month with your Good Student Discount.

If you are 55 or older ask if you qualify to take a special driver’s refresher course. Not every company offers this discount, but if you qualify and you pass the course it can save you a cool 10% per month on your insurance premiums.

And then there’s your deductible. The bigger your deductible the smaller your monthly automobile insurance premium will be. Of course, you need to exercise caution when increasing your deductible because if you ever have a claim you will have to come up with your deductible in cash. Don’t promise to pay more than you can actually afford.

Now it’s time for you to go online and find 3 different websites that permit you to make quick and easy comparisons of auto insurance prices among different insurance companies. Using everything you have learned from this article carefully enter the exact same information onto the form on at least 3 different comparison websites.

Now simply pick the company that offers the best price for the insurance you want. That’s it. You’re done. You’ve done your homework and you’ve compared prices and now you’ve got the best rates on automobile insurance in Alabama and you’ll be saving money every single month for a long time to come. Congratulations!