Are You Auto Insurance Rates in Alabama Too High?

November 8 2008 by author in Alabama Insurance |Comments Off

Reader’s Question:

I feel like I’m paying too much on my car insurance here in Birmingham, Alabama. I’d like to get some tips on how to look for better car insurance deals and discounts please. Thanks!

Ruth

Birmingham, AL

Hi Ruth, if you feel that you’ve been spending too much on car insurance premiums then you’re not alone. Everyday thousands of people go Online and search and compare different insurance websites and portals for the best car insurance rates available. The Internet is one of the best tools you can use in your quest for the cheapest or best insurance deals for your car in Birmingham, Alabama. You get information within minutes and are up-to-date, and you may even get offers and promos not available anywhere else.

Here’s some additional tips to get discounts on insurance and save even more:

1.Take state accredited safe driving or defensive driving classes. Not only will you learn how to keep yourself and your loved one’s safe on the road, you also qualify for additional discounts off your insurance rates.

2.Get your kids to maintain good grades. If you have kids or teenagers that are performing well at school you may also qualify for good student discounts on your premiums.

3.Get all your insurance needs with one provider. Most insurance providers will give incentives if you choose to get all of your insurance policies (House insurance, Health insurance etc.,) with them.

4.Install additional safety measures. Making your car as safe as possible by installing more air bags or automatic seat belts and anti-lock brakes can give you significant discounts and savings off your insurance bills.

I Need Cheap Auto Insurance For My New Car In Alabama

November 6 2008 by author in Insurance For New Cars |Comments Off

Reader’s Question

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.

Do You Need Drunk Driver Insurance in Alabama?

November 5 2008 by author in SR22 - DUI Insurance |Comments Off

Reader’s Question:

I am really trying very hard so that my auto insurance company doesn’t find out about my DUI conviction here in Montgomery, Alabama? Is there a way that I can keep them from finding out about my drunk driving conviction so that I won’t have higher rates?

Ben

Montgomery, AL

You can keep your drunk driving conviction in Montgomery, Alabama but it won’t take long before your auto insurance provider finds out about it because you would have to file for an SR22 insurance sooner or later so that your driver’s license will be reinstated. SR22 form is a requirement for drunk driver in the state of Alabama so in most circumstances, you can’t stay away from them finding out about your drunk driving conviction. The SR22 insurance could also be a reason for your auto insurance provider to cancel your policy at the end of your coverage.

Your auto insurance provider will be required to notify you through a letter if your policy will be cancelled. If this happens, you will be forced to find another auto insurance provider while you have a policy cancellation on your record. In some other circumstances, the auto insurance provider may not be offering policies with SR22 insurance so this is another reason for your policy to be cancelled or not renewed. Auto insurance providers may keep higher insurance rates for three years because of your drunk driving conviction.

Drunk Driver Insurance Quotes in Alabama

October 31 2008 by author in SR22 - DUI Insurance |Comments Off

Reader’s Question:

My husband usually drives home late and sometimes drunk here in Birmingham, Alabama. And if he had an accident—the cause or victim, what should be the proper way to deal with it?

Liz

Birmingham, AL

Frankly speaking, drunk driving is difficult to deal with. In Birmingham, Alabama, anybody who has been irresponsible enough driving under the influences of any alcohol and drugs is called negligence. With these circumstances you need the aid of a legal representative.

Usually, right after the accident of a drunk driver, the drunk driver’s insurance company may aim to lower the settlement and of course as a standard operating procedure, you should not give them any information or sign anything. You contact your car insurance and request a lawyer. You may be able to get the best settlement but if you are the most unfortunate driver and had had more several accident you will be having difficulty in availing a Car Insurance next time for you are an irresponsible driver.

And if you are the victim of drunk driving you can mend your injuries due to the actions of a negligent driver. The most important concern is to put the victim in its usual state. The victim of drunk driving is allowed to get punitive damages together with the other damages endured. The insurance lawyers will be able to assist you financially for mending your injuries. But you can only have insurance lawyers if you have a Car Insurance.

Looking For Cheaper Car Insurance in Alabama?

October 24 2008 by author in Alabama Insurance |Comments Off

Reader’s Question:

Hi, we live here in Tanner-Williams, Alabama and I just want to know if the car insurance rates between rural communities and the cities are the same. Also, could you give some suggestions on how can we be able to save some money on our auto insurance?

Nikko

Tanner-Williams, AL

The costs of car insurance in the rural communities and the cities are not the same. The rural communities would have lower car insurance rates than the cities. The reason behind it is that the cities have more populated, thus have more vehicles causing traffic congestion. Also, the cities have higher rates for theft concerning automobiles.

Regarding your car insurance in Tanner-Williams, Alabama, I’m sure there a lot of ways for you to be able save some money. You may want to ask about some discounts such as insuring more than one vehicle, having no accidents for a certain period of time, having safety features on your car, completion of driver-training courses, being a long-time or loyal customer, etc. You may also opt to purchase your car and home insurance policies from the same insurance company because you may be eligible for a multiline discount. Lastly, maintain a good credit would also help you a lot in saving for your car insurance. The use of credit ratings in determining the car insurance rates differ by state and insurance provider, but statistics show that motorists with great credit report tend to have less accident.

Auto Insurance Claims in Alabama

October 23 2008 by author in Insurance Questions |Comments Off

Reader’s Question:

I have never experienced being in an accident so I don’t know how to file a claim. What do I need to know in filing a claim on my auto insurance here in Mobile, Alabama?

Tera

Mobile, AL

We know that every motorist is required by law to have some kind of vehicle insurance to give protection for the interest and well being of the motorist. Auto insurance policies vary with every company and every policyholder as does the same way the insurance claims are filed. To file an auto insurance claim may be stressful and even a struggle but well worth it especially if huge damage has been done. Most car insurance claims are those that deal with damage and not personal injury. Regardless of the kind of injury or who was at fault, auto insurance claims boils down to proof.

In case you get into an accident, you need to know the factors that are considered as sources of proof for you to be able to file a claim for your auto insurance on  Alabama. Things such as statements of the witnesses, what is told to the auto insurance company, the police report and physical damage of the vehicle and the scene are likely the sources of proof. You may be advised to have with you a disposable camera, a pad and pen in the glove compartment of your vehicle in case an accident happens.

Comparing Auto Insurance Companies in Alabama?

October 17 2008 by author in Alabama Insurance |Comments Off

Reader’s Question:

What should I look for in an insurance company when trying to purchase a policy for my auto insurance here Hoover, Alabama?

Matt

Hoover, AL

To be able to have the best policy for your auto insurance in Hoover, Alabama, you need to make sure that you look around for several quotes from different auto insurance companies. But along with shopping around, you need to be careful about some things. First of all, the auto insurance company should be reputable and have already established a good name in the industry. You can do a little research about how the insurance company handles their claims. There are several ways to handle a claim and some people often fail to educate themselves about how the insurance company process their claims until they need to file it.

An insurance agent could be able to help you find answers on queries you might have about a certain auto insurance company. You need to listen to the agent that you are speaking with. Find out if the insurance agent sounds trustworthy or if he/she seems like trying to hide something. Also, be sure that the auto insurance company is financially stable and could actually pay should you have to file a claim.

Cheaper Comprehensive Auto Insurance in Alabama?

October 16 2008 by author in Alabama Insurance |Comments Off

Reader’s Question:

I was told that getting comprehensive auto insurance would cost me more than getting just the minimum liability coverage. Before I buy auto insurance here in Decatur, Alabama, let me ask, what is the difference between these two types of coverage?

Flynn

Decatur, AL

The comprehensive auto insurance is a well-rounded type of auto insurance that offers every type of insurance options, for all types of vehicle insurance occurrences. Unlike the auto liability coverage, you will be covered by your comprehensive auto insurance in Decatur, Alabama even if you were at-fault during the accident. If the accident was your fault, the auto insurance provider would pay for the other motorist’s needs and also yours. However, the auto insurance provider has control over some facets of any claim you will make. For instance, you could consider that you paid $10,000 for you vehicle six months ago, and you think its value now is $9000.

The auto insurance provider could see it another way if you have to replace your automobile. They could calculate that the value of your car is only $5000. Furthermore, you could think that you still be in debt for $7000 for finance payments but your insurer will tell you that you paid more for your vehicle, when you should have paid less. Auto insurance providers wouldn’t usually pay over the ‘book’ value, no matter what you think your vehicle is worth.

Are You Looking For Business Car Insurance Alabama?

October 15 2008 by author in Alabama Insurance |Comments Off

Reader’s Question:

What are the things that an insurance agent will ask me if I get a car insurance for my business here in Huntsville, Alabama?

Darlene

Huntsville, AL

If you analyze what’s in a business and personal car insurance policy, you will see that there’s not much of a difference between the two. But you certainly must have to understand that these insurance policies have quite a few technical features that are unique from each other. If you have difficulty figuring out the differences between the two auto insurance policies, you can let an insurance agent in Huntsville, Alabama explain them to you. The insurance agent will help you decide if what you really need is a business policy.

There are several questions that would be asked about the automobile for your business. Some of these questions include:

-What will the car be used for;
-Will any of the employees drive the car; and
-Do you plan to use the car for both business and pleasure?

If you inform the insurance agent that you’re going to get double duty out of your car by using it for both pleasure and business, the coverage for both types of car insurance would be the same.

Appealing Your DUI Case in Alabama?

October 14 2008 by author in DWI Alabama |Comments Off

Reader’s Question:

My brother said that he would appeal for his DUI case here in Tuscaloosa, Alabama? How would he do that and does that mean that there would have a retrial?

Kaitlin

Tuscaloosa, AL

Maybe your brother wants to remove his DUI conviction in Tuscaloosa, Alabama from his record or maybe contest for a lesser sentence that’s why he wants to appeal for his case. That doesn’t mean a retrial but like a sheer re-examination of the proceedings to make sure that the trial was carried out properly. To appeal for his DUI, he would have to hire a DUI lawyer with a good reputation. Then he may speak with the judge who presided on the DUI case to seek for a new trial. This would be very unlikely but it’s the start of the appeal process.

Your brother should also have to file for the appeal quickly. Depending on the state law, he may have 10 to 30 days to file for a notice of appeal. But remember that if he has taken a plea bargain, he may have waived any rights for an appeal if the case did not go to trial. Make sure that his lawyer is on top of his case by obtaining copies of all briefs and forms filed with the court. Whatever the result of his appeal, he has to think about working with a group such as the National Council on Alcoholism.

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