You really need to buy car insurance before you drive on any road in Alabama. If you don’t – and you get caught – the results will be time-consuming and far more expensive than if you had just taken the time to find affordable car insurance in Alabama in the first place.
And it’s not really all that difficult to do – to find affordable car insurance in Alabama, that is.
The first thing you need to do is to simply drive legally at all times. Nothing will increase how much you pay for your car insurance faster than a speeding ticket or other moving violation.
And don’t even think about driving when you’re intoxicated or impaired in any way. If you are convicted of a DUI (Driving Under the Influence) or a DWI (Driving While Intoxicated), you can forget all about getting affordable car insurance for a good long while.
If you have a garage in which you can keep your car at night make sure your agent knows as this could save you money every month.
If you can use public transportation for the bulk of your “driving” needs and keep your car in its garage most of the time, you can save a considerable amount of money through a Low-Mileage discount.
If you retire and stop driving to work and back every day your agent needs to know this as it can save you quite a chunk of change every month in insurance premiums.
If you’re 55 or older your company may offer a special 10% discount if you take – and pass – a special driver’s refresher course. Check with your agent to see if you qualify for this.
If you’re under 25 years old then your insurance company automatically places you in a special high-risk group and you are paying more for your insurance. You can cut your costs somewhat if you stay on your parents’ policy and you can save even more on top of that if you stay in school and can maintain at least a 3.0 grade point average. If you can do that you will qualify for a 5% Good Student Discount every single month.
Don’t waste your money paying for comprehensive or collision coverage on a car that has no Kelly Blue Book value. If you drive a clunker cancel your collision and comprehensive and use the money you save to get a newer car.
Don’t buy a new car without first checking with your agent so you know what the insurance will be. Some new cars cost a lot more to insure than others. Your agent can provide you with a list of cars that cost less to insure.
Don’t make a lot of small claims. Pay the small stuff yourself and only use your insurance for a major claim. The longer you can go without filing a claim the lower your rates go. Some companies give you a break after only 6 months of claim-free driving.
How large of a deductible can you afford to pay? Be honest with yourself about this because you’re going to have to come up with the deductible out of your own pocket if you ever file a claim – but just know that the larger of a deductible that you can afford to pay, the less you’ll be charged for your car insurance every month.
Now take the information that you’ve learned from this article and use it to fill in the form on at least 3 different websites that compare prices from different insurance companies for car insurance here in Alabama.
Make sure you put the same information into the forms on all 3 websites so that your results will be useful and then simply choose the insurance company with the best price and you’re golden! You’ve now gotten the most affordable car insurance in Alabama and you can look forward to saving money month after month for a long time to come.