Every year in Mobile as Mardi Gras emerges residents don their carnival colors and beads begin flying incessantly from floats and balconies. And although many believe this jovial celebration originated in New Orleans, history shows it all began in Mobile which is now considered "America's Family Mardi Gras." Shopping for Mobile insurance quotes isn't as exciting as commemorating Mardi Gras, but you'll glorify the savings when you do. Let's sneak a look at some common Mobile insurance coverage and get an idea of what your premiums might look like.
Drive Down Your Auto Insurance Cost
Alabamans paid an average of $684 for auto insurance in 2007, $111 less than the U.S. average, according to the Insurance Information Institute (I.I.I.). But with a clean driving record and good credit score you could very well be paying below that average. The kind of vehicle you drive can have a big impact on your premium as well, and while an SUV or sports car won't cut your costs, neither will a vehicle with history of theft. In 2008, the top three most stolen vehicles in Alabama were the 1996 Honda Accord, the 1989 Chevrolet Conventional Cab 4x2, and the 1998 Ford F150 Pickup, according to the National Insurance Crime Bureau. So before you purchase a new vehicle, it would be wise to do a little research on its insurability. The good news is the City of Mobile Police Department reported 123 less motor vehicle thefts in 2009 than in 2008, but your insurance agent will still regard your vehicle's theft risk when determining your Mobile insurance quotes. If you drive a high-risk vehicle it's a good idea to look into a burglar alarm or tracking device to lower your insurance cost.
Home Improvement Pays off
Heart of Dixie Dwellers paid less than average for auto insurance in 2007, but homeowners insurance was a big-ticket item that same year with an average of $905, the I.I.I. reports. The quickest way to save money on your homeowners insurance is to raise your deductible, and as you make improvements to your home you can save as well. You'll find most Mobile insurance providers will discount your premium if you have a home security system, if you install storm shutters, or if your home is reconditioned with weather-resistant materials. Flood insurance is a valuable purchase for Mobile residents seeing as rainfall is frequent. As a matter of fact, San Francisco-based WeatherBill, Inc. concluded that Mobile is the rainiest city in the United States. Repairing or replacing your home because of flood damage could leave you in the poor house if you're lacking flood insurance coverage. But keep in mind that this valuable coverage is not included in a homeowners policy. You will have to purchase this separately through FEMA's National Flood Insurance Program.
Retrieve Quotes and Achieve Savings
Scout out some oak-leaf hydrangeas or catch a football game at Ladd-Peebles Stadium and leave your search for Mobile insurance quotes to us. NetQuote has an extensive inventory of insurers that would love to compete for your business. Our quote finder service is free, fast and simple. Just take a few minutes to fill out an easy questionnaire and we'll send several Mobile insurance quotes directly to your email.