Finding affordable auto insurance that will be there when needed can be an overwhelming search. There are a number of carriers, but how do you decide which one is the best? As the area's premier independent agency, Tower Community Insurance in Scottsboro, AL, specializes in helping clients secure coverage from the nation's top providers. This agency shares several tips for finding quality auto insurance.
How to Choose Good Auto Insurance
1. Consider Deductible Options
If you want lower monthly premium payments, go with a higher deductible amount. Keep in mind that if you're involved in an accident, you'll have to pay more before the auto insurance provider picks up the remaining tab. A lower deductible works in the opposite direction: premium payments will generally be higher but your out-of-pocket costs might be lower.
2. Compare Insurance Carriers
As you search for coverage, go with a carrier that has a strong reputation for excellent customer service and expediency with handling claims and other issues. You'll also want to compare policies and insurance quotes from several providers to ensure you're getting the best financial deal for the preferred policy.
3. Keep Your Credit Strong
Most auto insurance providers will review a person's credit score to determine premium payments. The higher the score, the more likely the payments will be lower. Maintain or improve your credit score by paying bills on time and being responsible with credit card use.
4. Look For Discounts
There are many discounts available that can secure quality and affordable auto insurance. For instance, many carriers reduce premium payments for those with good driving records and owners of vehicles with safety and anti-theft equipment. If you have more than one policy with the same insurance provider, you may also be eligible for additional discounts.
5. Consider Vehicle Selection
There are certain vehicles that are more prone to being involved in accidents. Auto insurance costs may be higher for these. If you're in the market shopping for a new or used car or truck, check industry resources for collision data on different models. One good source is the Insurance Institute for Highway Safety.
Having reliable and affordable auto insurance is worth the investment. If you're unhappy with your current policy, let the experienced team at Tower Community Insurance offer customized guidance. Licensed in both Alabama and Tennessee, this independent agency will search among its network of quality providers to find you the best deal. To get started, call (256) 259-1116 or visit the website to receive no-obligation insurance quotes.