Without insurance, you can’t drive your car on public roads in Alabama. Alabama has severe penalties for those who are caught driving without insurance. Fines can be up to hundreds of dollars and you may never get your vehicle back on the roads again.
Instead of being without insurance, why not find ways to lower the amount you spend on your vehicle?
Your agent should be consulted before you decide to purchase a vehicle. An insurance company doesn’t consider all vehicles equal. Get a list of the lest-costly-to-insure vehicles before you make your next purchase.
Your agent will let you know if you are able to keep your car in a garage overnight. This will impact how much insurance you have.
Always drive legally. You can lose your discount insurance price for at least three years if you are convicted of a speeding ticket or another moving violation. For several years, you can forget about getting insurance at a reasonable rate if you have been convicted of DWI or DUI.
Let your agent know if you have retired and no longer drive your car to work everyday. You will receive a substantial discount.
You can save a lot of money on your auto insurance if you can take public transport for most of your driving needs.
You will be automatically placed in a high risk insurance category if you are under 25. This means that you will pay more for your auto insurance. If you can remain on the parent’s policy, you can reduce your rates. You will also be able to save more if your school grades are at least “B”. This will allow you to qualify for a Good Student discount.
An older driver may be eligible to take a refresher course. You can save 10% per month if your company offers a discount for you to pass the course.
You could save a lot of money each month by selling your collision and comprehensive coverage if you have an older car.
Do not make small claims. You should only use your insurance to cover a major accident. Otherwise, you can pay for the rest from your pocket. You will save money if you wait to file a claim.
If you are able to afford it, increase your deductible. This is a wise decision. The deductible you select will be the amount that you pay out of your pocket when you file a claim. However, the higher your deductible, the lower your auto insurance will cost.
Go online to find at least three websites that allow you to compare the cost of automobile insurance policies between different insurance companies. Use the information you’ve learned in this article to fill out the form on at most three different comparison websites.
This will make it easy to compare prices and find the best deal. Now you can save money on Alabama automobile insurance and continue to save money every month.