Birmingham, Alabama can be one of the costliest places to insure your car. But what is even more costly is not having car insurance or, not having enough auto coverage if you find yourself in the unfortunate position of being involved in an auto accident.

Obviously, one way to lower your chance of being in an accident is safe driving. Rear-end collisions account for 43 percent of all crashes each year -with "following too closely" being the main culprit. A general rule of thumb is to stay about 3 car lengths behind the car in front of you.

Avoiding accidents and having a clean driving record is the best way to save money on car insurance. But did you know that there are things you can do to lower lower your car insurance rate? Grogan Insurance Agency has been selling auto insurance in the Trussville area for years. Here are some tips that could save you money on auto insurance in the Birmingham area:

• Compare Insurance Costs
  Not all insurance companies are the same. The rates can vary substantially from one insurance carrier to the next. Lloyd Pro Group works with all the major auto insurance carriers to make sure you get the best auto coverage at the best rate.
   
• Start looking for a new policy before your current policy comes up for renewal
  Many insurers provide an "early shopping" discount of up to 12% Insurers view someone who looks for a new policy ahead of time as being a responsible (as opposed to someone who's in trouble with their current company) Always make sure you've got your new coverage in place before you cancel your old policy.
   
• Consult your insurance agent at Grogan Insurance Agency before you buy a new vehicle
  The make, model and even color of the of vehicle you drive will affect your premium. Insurers review several factors, including repair costs, the likelihood the vehicle will be stolen and the model's safety record.
   
• Take advantage of discounts
  Low mileage, good grades, good credit, and other factors may qualify you for a discount. Many insurers provide a discount of up to 15% for teenage drivers with a B average or higher in school. Some also offer a 5% to 10% discount for policyholders who take a defensive driving course. You agent at the Grogan Agency can tell you if there are any discounts that would apply to you.

Most importantly, don't even think about driving without car insurance! Hundreds of people a year are killed in traffic collisions in the Birmingham area alone.

Give us a call for an auto quote today!

For more information or to get a quote, please contact us toll free at (877) 694-4000 or by using our request quote form today.