Before you drive on any Alabama road, you should really get car insurance. If you don't and get caught, it will take you more time and cost you a lot more money than if you had just taken the time to find cheap car insurance in Alabama in the first place.
And it's not that hard to find cheap car insurance in Alabama.
The first thing you need to do is always follow the rules of the road. Nothing will make your car insurance cost more quickly than getting a ticket for speeding or another moving violation.
Don't even think about driving if you're drunk or in any way impaired. If you get a DUI or DWI (Driving Under the Influence or Driving While Intoxicated), you won't be able to get cheap car insurance for a long time.
Make sure your agent knows if you have a garage where you can park your car at night. This could save you money every month.
With a Low-Mileage discount, you can save a lot of money if you use public transportation for most of your "driving" needs and keep your car in the garage most of the time.
If you retire and no longer drive to and from work every day, your agent needs to know this because it could save you a lot of money every month on your insurance premiums.
If you are 55 years old or older, your insurance company may give you a 10% discount if you take and pass a special driver's refresher course. Talk to your agent to find out if you are eligible for this.
If you are younger than 25, your insurance company automatically puts you in a high-risk group and charges you more for insurance. You can save a little money if you stay on your parents' insurance plan, and you can save even more if you stay in school and get at least a 3.0 GPA. If you can do that, you will get a 5% discount every month for being a good student.
Paying for comprehensive or collision insurance on a car that has no Kelly Blue Book value is a waste of money. If you drive an old, broken-down car, you should drop your collision and comprehensive insurance and use the money you save to buy a newer car.
Don't buy a new car until you've talked to your agent and found out how much the insurance will cost. Some new cars are very expensive to insure compared to others. You can get a list of cars that cost less to insure from your agent.
Don't make many small promises. You should pay for small claims yourself and only use your insurance for big ones. Your rates go down the longer you go without making a claim. Some companies will give you a discount after only 6 months of driving without making a claim.
How much of a deductible can you pay without going into debt? Be honest with yourself about this, because you'll have to pay the deductible out of your own pocket if you ever file a claim. However, if you can afford a higher deductible, your monthly car insurance payments will be lower.
Now, use the information you've learned from this article to fill out the form on at least three websites that compare prices for car insurance in Alabama from different companies.
Make sure you fill out the forms on all three websites with the same information so that you can get useful results. Then, just choose the insurance company with the best price and you're good to go. Now that you have the cheapest car insurance in Alabama, you can save money every month for a long time.
