I’m looking into going with another car insurance company here in Alabama because they say that I’d be able to save that way. Also, could you give me some other ways on how to get cheap liability insurance?

Saul

Birmingham, AL

Switching car insurance companies is one of the recommended ways on how to get cheap liability insurance, most especially if you have not filed a claim with your current car insurance carrier. If you decide to do this, all you need to do is to inform your car insurance company about it. You have to cancel your old car insurance policy on the same day that you go with another company. However, don’t cancel your old car insurance policy if you don’t have a new car insurance plan yet. This is very crucial because some states would charge you some fines for the number of days that you don’t have insurance.

Bear in mind that most car insurance companies could terminate your plan whenever you like by notifying them in writing specifying the date you’d like to terminate your policy or you could do it by calling them on the phone.

To make sure that you get cheap liability insurance in Alabama, choose the insurance payment plan that best fits your budget. A number of car insurance companies would let you pay over time but it would be more than what you have to pay had you chosen to pay on an annual basis. You would have to pay a few dollars everytime you make a payment through an installment plan. Car insurance companies have payment plans on a monthly, quarterly, bi-annually, whichever is most convenient for you.

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I probably just have to go directly to the auto insurance company of the guy who smashed into my car here in Alabama. Since I wasn’t the one who caused the accident, can I possibly do that?

Adriano

Huntsville, AL

I presume that you got all the information of the guy who smashes into your car in Alabama, including his auto insurance company’s name, a phone number you could call to reach them and their address. If so, you are ready to be a third-party claimant since it is not going to be your own auto insurance provider whom you are filing the claim with. This may cause you less trouble that being a first-party claimant since you don’t have any responsibility to that auto insurance provider. They could not order to whom they pay the funds since they don’t have a policy agreement with you. The auto insurance companies pay the claimant directly in majority of third-party claims.

In case your car has been declared a total loss, the other driver’s insurer would probably pay only you. Needless to say, in case you have a financed car, it would be your obligation to assure your lender that they get what you owe them. Being familiar with the procedures of filing a claim could help speed up the repair of your vehicle and reduce any surprises.

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I was told that my auto insurance company can cancel my policy once they find out I have a suspended driver’s license because of a DUI citation here in Montgomery, Alabama. Will they give me a notification or will they cancel it right away?

Valentin

Montgomery, AL

Most of the auto insurance companies could cancel a policy at any time if you have committed one of the “canceled offense,” and one of which is losing your driving privileges due to driver’s license suspension. Having a suspended driver’s license because of your DUI citation in Montgomery, Alabama is a ground for the termination of your auto insurance policy. Your auto insurer can’t just cancel your policy once they find out about your DUI case. They would have to give you a written notice for the cancellation of your auto insurance policy.

State laws vary on the number of days that the auto insurance company should provide notice before the cancellation takes effect, but you can expect that your auto insurer would give you between 10 and 30 days notice. In the notice, the auto insurance company should tell you why it has decided to cancel your auto insurance policy. Now, if having a new insurer is your problem, that can be solved if you get an online rate quote from this website and get great deals for auto insurance in Alabama.

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Is it true that aside from my car insurance, my premiums for other types of insurance policies would also be affected after my drunk driving conviction in Dothan, Alabama? Would there be any way to lessen the price of my premiums after my DUI?

Mandy

Dothan, AL

There could be a lot of insurance issues after your drunk driving conviction in  Alabama. But these issues are highly regulated by each state and could vary in how they are handled, so it would be important to know the law in the state of Alabama and what variations to these issues that law could bring. Your DUI record could also impact your premiums for or coverage by other types of insurance policies, such as medical or life insurance.

There could be other ways to lessen the price of your car insurance premiums if you are paying expensive rates because of your DUI record. This includes moving to a safer neighborhood, taking a safe-driving class, paying all bills on time to boost your credit rating, moving closer to your workplace to shorten the commute, driving an older car and/or a non-sports car, maintaining a clean driving record, adding safety equipment to your car or staying current on your insurance premiums. If you are currently looking for a lesser price but great car insurance, try to get an online rate quote available from this website.

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I have a DUI conviction here in Hoover, Alabama and of course, that means I have to get SR22 car insurance. How can I go about getting the best car insurance rate possible when I was just convicted for DUI?

Vaughn

Hoover, AL

I’m sorry to tell you this but you have just been classified as ‘high risk’ driver because of your DUI conviction. However, despite of your label by insurance companies as being high risk, you still have options when it comes to your SR22 auto insurance. You just have to remember that there are still many insurance companies that specialize in these types of car insurance policies and more specifically DUI car insurance policies. They know that there is a big market need for those who happen to have a DUI conviction and they design their business around it.

So, when you are shopping for SR22 car insurance, the only way to get the lowest rate is to get rate quotes from as many different sources as possible. But, I tell you what, you can actually start your search here because you can get an online rate quote for great SR22 car insurance in Hoover, Alabama from this site. SR22 quotes are free and good thing about it there is no obligation to use any insurance company by getting a quote from them. You have to seek out quotes from as many providers and/or brokers as possible to get the best deal for your SR22 car insurance.

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I just moved from California to Alabama, and just yesterday I bought a new car. I am getting car insurance next month, would like to know the minimum liability limits here in Alabama for car insurance.

James, Birmingham AL

Hi James,

With the new car that you purchased, it is good to know that you are going to get a car insurance. In the state laws of Alabama in terms of Auto Insurance there is the so-called 20/40/10, which requires every vehicle must have minimum liability coverage of $20,000 per person, $40,000 for all injuries and $10,000 as property damage liability.

The 20/40/10 is what I have here at Decatur, AL when I purchased my BMW years ago. Before you plunge into signing into an insurance contract, it is best to search for companies that offer cheap premiums and also be sure that the minimum coverage of 20/40/10 is fully satisfied in your insurance policy.

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