While few people particularly enjoy paying their automobile insurance bill each month, the vast majority see the necessity of such insurance and most people are quite willing to concede that, at the very least, everyone else should have to buy it.
Unfortunately that’s not the way it works. If you want to drive on any public roadway in Alabama you are going to have to buy automobile insurance just like everyone else.
However, you may not have to pay quite as much as everyone else, not if you follow some of the suggestions in this article.
For example, if you can cut down your driving – possibly by using public transportation whenever possible – and can reduce your mileage to under 500 miles per month, you can save a huge amount on your automobile insurance through a Low Mileage Discount.
If you can park you vehicle in a garage at night rather than on the street you can also save each month – just be sure to tell your insurance agent.
Adding some simple anti-theft devices to your car can save you money. Talk to your agent before making a purchase, but simply adding a steering wheel lock to your car or adding an electronic device that disables your fuel pump until a code is entered or a secret button is pressed can save you money month after month on your insurance.
Have you been accident-free for six months or longer? Some companies are giving discounts to drivers who have been accident-free for only six months. Some companies require a longer accident-free period but it can’t hurt to check with your agent and see if you are due a savings.
If you have an older car, one with little or no Kelly Blue Book value then there’s no reason on earth for you to waste your money paying for collision or comprehensive insurance on it. Cancel those two types of insurance and put the money you save each month toward a newer car.
If you have more than one car insure all of them with the same company. This will give you a multi-policy discount.
Women are seen as better driving risks than men, so if you are married have the wife named as the primary driver and the husband as the secondary driver – doing so will save you money every single month.
Increasing your deductible is a fast and easy way to lower your monthly premium, but keep in mind that whatever amount you set as your deductible is the amount of cash you will need to pull out of your pocket or purse anytime you have a claim. Don’t promise to pay more than you can actually afford.
Now go online and find at least 3 of the sites that allow you to compare insurance policy prices from different companies side by side. Fill out the form on at least 3 different sites and be certain that you put the same information into the form on each site. In that way your comparisons will be valid and you will see the prices from as many different companies as possible.
All that’s left is for you to choose the company with the best price and you’re done! This is how easy it is for you to get affordable automobile insurance in Alabama, and feel confident that you are saving as much money as possible, month after month!