I have already decided which car to purchase but I also need to make sure that I know all the things I need to know about car insurance. What are the steps that I need to take to make sure that I have low-cost premiums for my new car insurance here in Alabama?

Ahmad

Montgomery, AL

Aside from shopping around to get low-cost premiums for your new car insurance in Alabama, there certain things you also need to do. These include:

Making sure that Your Policy is Up to Date
You may have recently moved, a newlywed, or it has already been no less than three years since you committed your last traffic infraction. If any of these situations apply to you, make sure that you check with your car insurance provider because you could be qualified for a discount on your premiums.

Knowing the Type of Car to Buy
Prior to buying your new vehicle, find out how much it would cost to insure that vehicle. Normally, smaller vehicles that have lower horsepower cost less to insure.

Knowing if Excess Coverage is Necessary
A lot of car insurance providers offer you optional coverage such as rental coverage and this would pay for a rental vehicle while your automobile is being repaired. Although circumstances and charges differ from each car insurance provider, you may not need this kind of coverage if you could find other means of transportation.

Raising Your Deductible
Increasing your deductible can lessen your comprehensive and collision charges by 15 to 20%. You car insurance agent could demonstrate to you how increasing your deductible could lessen your insurance rates.

Asking for Discounts
You may inquire with your insurance agent if you may be eligible for some kind of discounts such as installing safety devices and for being a good driver.

Tags: car, car insurance, car insurance premiums, cheap auto insurance

I’m looking into buying a new car insurance policy as soon as I’m completely moved in here in Huntsville, Alabama. I would like to get an idea of what kind of coverages I should get.

Kaye

Huntsville, AL

Your car insurance coverage there in Huntsville should adhere to the minimum guidelines stated by the financial responsibility laws of Alabama. Your car insurance agent or the state department of motor vehicle’s (DMV) website should provide you the necessary information on the proper car insurance you should look for. To give you a better idea, here are the types of coverages available (note: it is possible to get these coverages separately but most insurance companies would offer these as a package):

Property Damage Liability Coverage- Covers you from financial liabilities incurred for damaging or destroying public/private property.

Bodily Injury Liability Coverage – Protects you from liability arising from expenses incurred to treat bodily injury to individuals who you might have injured in an accident. This will also cover funeral expenses and economic losses such as lost paid work hours due to the car accident you may have caused.

Personal Injury Protection (Medical Payments Coverage) – Is a No-fault coverage that pays for medical/ hospitalization expenses to treat you and the people in your car’s injuries in an accident.

Collision Liability Insurances – Pays for damages and repairs to you, or another party’s vehicle in the event of vehicular collision.

Comprehensive Insurance Coverage – Covers financial losses on your vehicle for other factors or forces not relating to car accidents such as natural disasters, vandalism or theft.

Uninsured/ Under Insured Motorists Insurance – Provides protection and coverage in case you get involved in a car accident with someone who has zero or insufficient insurance coverage.