In Alabama, everyone who drives a car on a public street or road must have car insurance. That means a lot of people want to compare low cost auto insurance in Alabama to get the best deal possible. The goal of this article is to give you some ideas for things you can do or put on an insurance application to get the best deal on the insurance you need.
How much you pay for insurance will depend on what kind of car you drive. If you're looking for a car, you should know that some cars are much more expensive to insure than others. If you really want to save money on your car insurance, you might want to ask your agent for a list of the least expensive cars to insure before you decide on a particular make and model.
More than anything else, how you drive can change how much you pay for insurance. If you speed or get any other kind of moving violation, your car insurance will be more expensive. Period.
And if you are found guilty of Driving Under the Influence (DUI) or Driving While Intoxicated (DWI), your car insurance rates will go through the roof and stay there for at least three years.
Can you park your car overnight in a garage? If so, tell your agent because this could save you money every month.
If you want to insure more than one car, make sure you do it with the same company so you can get a discount on each one.
Don't make small claims that don't matter. Some companies will give you a discount if you don't make a claim for at least 6 months. Some companies want you to have no claims for a year, while others want it to be three years. The point is that you can save money if you don't make small claims.
Keep a clean credit record. Even if you don't believe it, the better your credit score, the less you'll pay for car insurance.
If you're under 25 and your parents will let you, stay on their policy. If they won't, stay in school and get at least a "B" average. If you do that, your car insurance will go down by 5% every month because you are a good student.
Drivers over 55 may be able to save up to 10% per month on their insurance if they take and pass a special driver's course that many companies now offer. Talk to your agent to find out if this discount is right for you.
Don't keep paying for collision and full coverage insurance on old cars that have no Kelly Blue Book value. Even if you keep paying your premiums, your insurance company won't pay out on your collision or comprehensive coverage if your car is no longer worth anything. Save your money.
Many people now take the bus or train whenever they can and only use their cars in emergencies or for special events. If you can drive less than 500 miles a month, you could get a Low Mileage Discount that could save you a lot on your car insurance.
Your deductible is probably the quickest and easiest way to lower your monthly payments. However, keep in mind that if you raise your deductible, you will pay less for your car insurance each month, but you will also have to pay more out of your own pocket or purse when you have a claim. Don't say you'll pay more than you can afford to pay.
Now, use the information in this article to go online and fill out applications on at least three different sites that let you directly compare the prices of insurance from different companies. Make sure to fill out the form on all three sites with the exact same information.
Now, all you have to do is pick the lowest price and you're done. You have done your research, compared low-cost car insurance in Alabama, and found the best price you can get. Now you can rest easy knowing that every month you are saving money on your car insurance.
