Comparing Auto Insurance RatesMaybe you have been paying your auto insurance without much thought.  It could be just one more bill that you receive and pay without much contemplation on what you are getting for the money you are paying.  No doubt there are ads surrounding all of us about saving money on your car insurance, but what does switching companies to save money actually mean to you and the coverage you are getting? Price is a key component when choosing a car insurer, but you need to make sure that in the search for saving money, you don’t give up essential coverage options. Read on to find how comparing auto insurance rates can save you money.

Key Considerations When Comparing Insurance Quotes, but Not Limited to:

Finding out after the fact (car accident, vandalism, or some other type of covered peril) that your coverage is lacking, may cost you more down the road than you saved on the front end by switching your auto insurance. Below are some key factors to consider before you switch  insurance carriers:

Customer Service- By using a local Alabama independent insurance agent you will be provided the customer service you deserve.  We, at Burkett & Associates Insurance, understand that your auto insurance is unique to your specific needs and we will work with you and for you to provide the right type of car coverage at a price you can afford.

Coverage Options- Auto insurance policies have a variety of coverage options that can be custom fitted for all your specific insurance needs. We can help you with the right limits of liability and advise any additional coverages you may be required to have or need. Additional coverages may include Uninsured Motorist, Collision, Comprehensive, and Roadside Service, to name a few. Keep in mind that your coverages and deductible(s) will influence your insurance premium so make sure you discuss your quotes with the varying coverage and deductibles.

Deductibles- Your deductible is the amount of money you agree to pay out of your pocket following a covered loss and before your insurance company kicks in.  Typically, the higher your deductible, the lower your premium will be.  It is recommended that you choose the highest deductible you can pay in an effort to save money on your rate. Make sure you get different quotes based on the deductible options available and choose one that fits your budget.

Insurance Rate- The cheapest isn’t always the best so make sure to consider the cost of your rate, but don’t let that be the only factor you consider. Insurance isn’t a “one size fits all” protection. Compare the prices of the coverage options and get several quotes from insurers.

Business Reputation- Make sure you factor in a good business reputation when choosing an auto insurer.  If you do have an accident, you want to make sure you are dealing with someone who provides a prompt and fair response and delivers excellent customer service in your claims handling.

Discounts- When getting quotes from different insurers, inquire about available discounts that may pertain to you.  You can typically save up to 20 percent for discounts such as multiple cars, safe driving, or auto safety equipment.

Our Job is to Assist You With all Your Alabama Auto Insurance Needs

Our job is to know about coverage limits, coverage options, and deductibles and our expert staff here at Burkett & Associates can assist you and guide you in choosing the right type of auto insurance protection you need at a price you can afford. Don’t wait!  Contact us today at 256-704-7400 for all your Alabama auto insurance needs.