You don’t want to drive an automobile on any public roadway in Alabama without first purchasing automobile insurance. If you get caught driving without insurance in Alabama the penalties are severe and the fines can reach into the hundreds of dollars before you’re back on the road.
Rather than risk being caught without automobile insurance why not look for ways to reduce how much you have to spend to insure the vehicle you have?
If you’re thinking about getting a new vehicle, check with your agent first. Not all new vehicles are created equal in the eyes of an insurance company. Get a list of the lest-costly-to-insure vehicles before you make your next purchase.
If you can keep your car in a garage at night let your agent know as this will affect how much you pay for your insurance.
Drive legally at all times. If you get even one speeding ticket or other moving violation you can forget about getting the best price on discount insurance for at least 3 years. If you are convicted of a DWI or a DUI then forget about finding even a reasonable price for your insurance for several years.
If you retire and are no longer driving your car to work every day let your agent know. You’ll get a good discount.
If you can use public transportation for the bulk of your “driving” needs and you can keep your actual mileage down to around 500 or fewer miles per month then you will be in for a rather hefty Low-Mileage savings on your automobile insurance.
If you’re under 25 you’re automatically placed in a high-risk insurance category and you pay more for your car insurance. You can cut your rates somewhat if you are able to remain on your parents’ policy and you can save even more on top of that if you stay in school and can keep up at least a “B” grade average so you qualify for a Good Student Discount.
Older drivers may qualify to take a special driver’s refresher course. If your company offers such a discount and you pass the course you can save 10% a month on your insurance.
If you drive an older car that isn’t worth much you could save quite a bit of money each month if you dropped your comprehensive and collision coverage and used the savings to buy a new car.
Don’t make small claims. Only use your insurance for a major accident and pay the small stuff from your own pocket. The longer you go without making a claim the less your insurance is going to cost you.
Increase your deductible if you can afford it. You need to be careful doing this because the amount you choose for your deductible is the amount you will have to come up with out of your own pocket any time you file a claim, but the larger you can make your deductible the less you will pay for your automobile insurance.
Now go online and find at least 3 websites that let you compare the price of an automobile insurance policy between several different insurance companies. Using what you have learned from this article enter the same information into the form on at least 3 different comparison websites.
This way your comparisons will give you results that you can use, and all you need to do is to choose the company with the lowest price and you’ve done it! You’ve saved money and gotten discount automobile insurance in Alabama and you’ll be saving money month after month for a long time to come.