Alabama is serious about making sure that all drivers on Alabama's public roads have insurance. So many Alabama drivers want to find ways to save money and get cheaper car insurance.
So, in Alabama, how can you save money on car insurance? Start by always driving in a safe and legal way. Nothing makes the price of car insurance go up like getting a ticket for speeding or another moving violation, unless it's for DUI or DWI.
If you are found guilty of DUI or DWI, you won't be able to get a discount on your car insurance for at least 3 years. If you get a second DUI or DWI conviction, you might never be able to get cheap car insurance again.
Tell your agent if you have a garage and can park your car there at night. This could save you money on your policy every month.
Your car should have safety features. Ask your agent if you can save money if you buy a steering wheel lock and use it. Ask about a simple electronic device that disables your fuel pump unless you enter a secret code or press a hidden button. These devices are cheap, easy to install, and can save you money on your insurance every month.
If you are under 25 and still in school, stay there and work hard. With your Good Student Discount, you can save up to 5% every month if you keep at least a "B" grade point average.
You're no longer working, right? If so, you should tell your agent. If you no longer drive your car to and from work every day, your insurance will go down quite a bit.
And speaking of not driving your car as much, many people are now starting to use public transportation for as much of their travel as possible, only driving their cars in emergencies or for special occasions. If you can drive less than 500 miles per month, tell your agent. You will be eligible for a Low Mileage Discount.
How much does your deductible cost? Think about it carefully, because you'll have to pay this money out of your own pocket if you ever need to file a claim. However, if your deductible is higher, your monthly premium will be lower.
Ask your agent if your company offers a driver's refresher course if you are over 55 years old. If so, and if you pass the test, you could save up to 10% on your car insurance every month.
Using the information in this article, try to put together a car insurance policy on paper that will save you as much money as possible. Then, go online and see what you can find on at least 3 websites that let you compare prices at different insurance companies.
Compare the policy you just made on at least three of these sites, and then just pick the one with the lowest price. All done. Now you've saved money and found Alabama car insurance with a discount. Good job!
