You shouldn't drive a car on a public road in Alabama before getting car insurance. If you are caught driving without insurance in Alabama, you will have to pay a lot of money in fines before you can get back on the road.
Instead of risking being caught without car insurance, why not look for ways to lower the amount you have to pay to insure the car you already have?
If you want to buy a new car, you should talk to your agent first. In the eyes of an insurance company, not all new cars are the same. Get a list of the least expensive cars to insure before you buy your next car.
Tell your insurance agent if you can park your car in a garage at night. This will change how much you pay for insurance.
Always drive by the rules. If you get even one ticket for speeding or another moving violation, you can forget about getting the best price on discount insurance for at least 3 years. If you are found guilty of a DWI or DUI, you won't be able to find insurance at a reasonable price for a few years.
Tell your agent if you retire and no longer need to drive your car to work every day. You'll save a lot of money.
If you can use public transportation for most of your "driving" needs and keep your actual mileage to 500 miles or less per month, you can save a lot on your car insurance through the Low-Mileage discount.
If you're under 25, your insurance company automatically puts you in a high-risk group, which means you pay more for your car insurance. If you can stay on your parents' policy, you can save a little bit on your rates. If you stay in school and get at least a "B" average, you can save even more with a "Good Student Discount."
Older drivers may be able to take a special course to brush up on their driving skills. If your insurance company offers a discount like this and you pass the course, you can save 10% on your insurance every month.
If you drive an old car that isn't worth much, dropping your comprehensive and collision coverage could save you a lot of money each month, which you could use to buy a new car.
Don't make little promises. Use your insurance for big things only, and pay for small things yourself. The less your insurance will cost, the longer you go without making a claim.
If you can afford it, you should raise your deductible. You need to be careful about this because the amount you choose for your deductible is the amount you will have to pay out of your own pocket every time you file a claim. However, the higher your deductible, the less you will pay for your car insurance.
Now, go online and look for at least three websites that let you compare the prices of car insurance policies from different companies. Using what you've learned in this article, fill out the same form on at least three different sites that compare things.
This way, you'll get useful results from your comparisons, and all you have to do is choose the company with the lowest price. You've saved money and gotten cheaper Alabama car insurance. You'll continue to save money every month for a long time.
