I can’t think of anyone who looks forward to buying auto insurance, especially knowing the price is too high.
With consumers having so many choices of insurance companies, it’s difficult to pick the most cost effective car insurance company.
All the larger auto insurance companies allow you to get coverage prices on the web. Getting online rates is pretty painless as you just enter your personal and coverage information into the quote form. When the form is submitted, the system gets credit information and your driving record and generates pricing information. This helps simplify price comparisons, but the time required to go to each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to do this if you are searching for the best price possible.
A quicker way to lower your auto insurance bill uses one form to get prices from a lot of companies. It saves time, helps eliminate reptitive entry, and makes quoting online much more enjoyable. After sending the form, it gets priced and you can choose any one of the price quotes you receive.
If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. The whole process takes 15 minutes at the most and could lower your rates considerably.
To find out how much you’re overpaying now, click here to open in a new tab and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in exactly as shown on your declarations page. This helps ensure you will get rate comparison quotes for the exact same coverage.
Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Certain discounts will be applied at quote time, but a few must be requested specifically before they will apply.
Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, companies don’t profit that way. But any discount will help reduce your overall premium however.
For a list of insurers offering auto insurance discounts in Alabama, click here.
When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions might point out whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Learning about specific coverages of a auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.
Liability coverage can cover injuries or damage you cause to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as loss of income, medical expenses, structural damage and funeral expenses. How much liability should you purchase? That is up to you, but consider buying higher limits if possible. Alabama requires drivers to carry at least 25,000/50,000/25,000 but you should think about purchasing more liability than the minimum.
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, ambulance fees and chiropractic care. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your vehicle.
Since many Alabama drivers have only the minimum liability required by law (25/50/25 in Alabama), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from flooding, vandalism, rock chips in glass and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Collision coverage will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for things such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Additional information can be found on the website for the Alabama Department of Insurance located here. Consumers can get help finding coverage, read enforcement actions against agents and companies, and report car insurance fraud.