Ways to Lower The Cost of Car Insurance in Alabaster, AL

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The average cost of auto insurance in Alabaster is $1,414. This is lower than the cost of auto insurance in neighboring places such as Shelby County, Helena, Pelham, and Calera. The cost of auto insurance can vary within the city from one neighborhood to another. Numerous factors affect the cost of auto insurance. Some of them being the rate of deductibles, age of the driver, and driving record. Here we explore several ways by which car owners can reduce the cost of auto insurance.

DRIVING RECORD:

A clean driving record can help car owners receive discounts. Some insurance companies provide discounts to drivers who have been accident-free for the last 3-4 years. This discount can vary from 5 to 10 percent. 

STUDENT DISCOUNTS:

Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called driver training discount.

GREEN DISCOUNTS:

With the advent of technology that helps determine the cost of insurance based on miles drives, insurance companies have also started offering better discounts to those drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.

MULTI-CAR INSURANCE:

Drivers who own multiple cars can make use of this policy by insuring all their vehicles under the same auto insurance company. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. In Alabaster, the cost of insuring two cars under a multi-car insurance policy is $2,404. This helps in improving savings up to $424. Car owners can save up to $848 through multi-car insurance policies. 

ANTI-THEFT FEATURES:

Equipping one’s car with the latest anti-theft features can also help in reducing the cost of auto insurance. Car owners can save up to $100 via anti-theft devices since this reduces the risk undertaken by auto insurance companies. A passive disabling device can help car owners in Alabaster reduce the cost of auto insurance to $1,315.