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Submitted by: Alexis Jensen
Everyone who drives a vehicle on Alabama’s public roadways must buy auto insurance. If you are looking for cheap auto insurance in Alabama you are in luck because Alabama offers what is known as a basic liability policy that is the very cheapest insurance it is possible to buy and still drive 100% legally in Alabama. But before we talk about Alabama’s basic liability insurance let’s look at a couple of other things you can do that will make even your basic liability policy cheaper.
Paying your premiums automatically out of your bank account saves the insurance company the expense of billing you and they pass a part of that savings on to you. Parking your car in a garage at night rather than parking it on the street will also save you money. If you can carpool to work you can save a considerable amount of money every month.
If you can find ways of reducing your driving to less than 500 miles per month – possibly by using public transportation as much as possible – then you can qualify for a rather hefty Low Mileage Discount.
Increasing your deductible always decreases how much you have to pay each month for your auto insurance. Just remember that you will have to pay your deductible out of your own resources if you should ever have a claim so don’t promise more than you can afford to pay.
Now let’s look at Alabama’s cheap basic liability auto insurance. The smallest policy you can legally buy in Alabama is what is known as a 20/40/10 policy. This policy pays a maximum of $20,000 in medical payments to any one individual who is hurt in an accident with your vehicle and it pays a maximum of $40,000 in medical payments for everyone who is hurt in an accident with your vehicle. The policy also pays a maximum of $10,000 in property damage for any accident. Property damage generally refers to repairing the other person’s vehicle.
A basic liability policy pays zero toward the repair of your vehicle and it pays zero for your medical expenses or for the medical expenses of anyone in your vehicle.
You can save even more when buying these policies if you buy them online. One of the tricks to finding the cheapest possible price for your auto insurance in Alabama is to look at the prices from as many different insurance companies as possible. The way you do this is to look at prices on several different auto insurance price comparison websites rather than simply relying on just one site.
Now comes the fun part – looking at all of the prices you’ve found and choosing the lowest price you’ve found.
Finding cheap auto insurance companies in Alabama is easier than you might think. There are several ways that you can get your insurance for even less than the cheap companies normally sell their insurance for, if you know how to answer a few simple questions the right way.
For example, setting it up so your premium is paid automatically every month saves the insurance company the cost of billing you and they pass a portion of that savings on to you. If you can park your vehicle in a garage at night and not on the street that will also save you money.
If you use a steering wheel “club” device to lock your steering wheel when you leave your car you can save money every month. If you join a carpool at work and you can cut the number of rush hour miles you drive each month in half then you will also save a great deal on your car insurance.
If you can use public transportation as much as possible and cut your driving down to 500 miles or less each month you will also save a great deal. Increasing your deductible will save you money instantly. Just keep in mind that you will have to pay your deductible out of your own pocket if you have a claim so don’t promise more than you can afford to pay.
Now that you know all of those tricks for lowering it costs you can apply them to the cheapest auto insurance that you can legally buy in the state of Alabama – a basic liability policy – and you can save as much as it is possible to save.
The basic liability policy in Alabama is called at 20/40/10 policy. This policy pays a maximum of $20,000 in medical costs to any one individual who is hurt as a result of an accident with your vehicle and it pays a maximum of $40,000 in medical payments for all persons who are hurt as a result of an accident with your vehicle. This policy pays a maximum of $10,000 in property damages – typically the repair of the other person’s car.
These super cheap policies do not pay anything to repair your vehicle nor do they pay anything for your medical bills or for the medical bills of anyone riding in your vehicle.
The place to find the cheapest auto insurance companies in Alabama is online. And the best way to find the cheapest companies online is to look at several different price comparison sites so that you see the largest number of prices from the largest number of insurance companies possible.
Once you are satisfied that you have found the lowest price you are going to find, then grab it and count your savings each and every month.
About the Author: My Recommended Sites:
The Best Cheap Auto Insurance In Alabama
Affordable Auto/Car Insurance Policy
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