QuoteClix.com
 
Low Cost Insurance Quote Online!
Auto
Home
Life
Health
Blog

     Get a Quick Auto Insurance Quote!

                  Zip Code:

  • Home
  • About
  • Subscribe to Feed

QuoteClix.com on Obtaining Auto Insurance in Alabama

Posted on May 26, 2010, 6:50 am, by fast quote online, under Car Insurance, General Insurance.

state of AlabamaThe most effective way to get the best deal possible and the right amount of coverage in AL is to be a smart shopper. Shopping wisely consists of many aspects including being knowledgeable about the products that are available and which would be needed, where to shop and the many ways a motorist can lower their auto insurance premiums. Automobile coverage is a product that any person who wishes to operate a vehicle must or should have and no one wants to pay more than they have to in order to get insured; the way a consumer shops will usually dictate whether they pay too much or get a fair rate.

As a motorist begins to search for Alabama car insurance they will first need to determine the amount of coverage that they are in need of; although the state requires that motorists maintain at least a minimum amount of liability with limits of $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $25,000 for property damage, this may not be enough protection for everyone. Some individuals may only be in need of the minimum requirements, but there are many who may wish to purchase higher liability limits to protect assets, others may need to add comprehensive and collision to a policy to cover their vehicle and others may want to buy Uninsured Motorist to protect themselves against those who choose to risk driving without policies. Therefore, before beginning to shop around, a person should evaluate their situation and determine the protection needed.

Purchasing car insurance in AL

Once an individual has determined the type of auto insurance policy and before purchasing coverage they should shop around and compare as many quotes as possible; studies have shown that premiums can differ up to 200 percent between two companies for identical products. So if an individual does not comparison shop they will never know whether or not if a cheaper rate is out there and although most consumers never buy coverage from the first insurer they contact, many do not take the time to compare as many as possible which may sound like a hassle, but can pay off big down the road. There are a few ways that consumers can go about getting quotations from insurers; a motorist can either visit local offices, call various companies or surf the Internet for rates, but regardless of the method chosen it is vital to compare before purchasing.

After comparing the prices of multiple companies and finding a few rates that may look good, it is wise to hold on to a few quotes that you may have gotten and look into the insurer you are considering buying a policy from, especially if you have never heard of them; this is for your protection and it is like the old saying goes, “if it seems too good to be true than it probably is”. There are many reasons why you may want to do a little bit of research on the insurer you are looking to buy from; you want to make sure that the company is licensed, has a good reputation and is financially sound, all of which can be done pretty quickly and easily. If you know a person who is insured with the carrier simply ask them how they experience has been or you can check the company’s complaint ratios online to see how satisfied there customers are. Also, the insurer’s licensing should be checked as well, this can be done by contacting the Alabama Department of Insurance. Getting insured comes down to a lot more than finding the cheapest price and by shopping smart individuals can locate and affordable rate from a reputable insurer.

Related posts:

  1. OnlineAutoRegistration.com Provides Alabama Auto Insurance Requirements State law in AL mandates that no person shall operate, register or maintain registration of...
  2. Is it Necessary to Have Car Insurance in Alabama Automobiles are restricted from being operated, registered or to keep registration without being covered by...
  3. QuoteClix.com on Getting the Best Car Insurance Policy Obviously when individuals set out to get purchase auto insurance policies they are not looking...
  4. QuoteClix.com on Shopping for Texas Auto Insurance Texans who wish to operate their automobile legally within the state are required to follow...
  5. QuoteClix.com, Obtaining Auto Insurance, No License It is a common misconception that consumers have that car insurance providers will not offer...
Tags: Obtaining Auto Insurance in Alabama
Comment (RSS)

One Comment

  1. Stev J says:
    June 1, 2010 at 2:29 pm

    One other misconception that motorists may have about auto coverage is that if they get a medical bill in the amount of $10,000 that the bill will be covered. According to an automobile insurance consumer guide provided by Alex Sink, Chief Financial Officer of Florida this would not be the case.

    PIP would cover 80% of necessary medical expenses, therefore, if a policyholder incurs medical expenses totaling $10,000 and does not have a deductible the insurer would pay $8,000 dollars and the remaining $2,000 would be the responsibility of the insured.

    Log in to Reply

Leave a Reply

Click here to cancel reply.

You must be logged in to post a comment.

« QuoteClix.com, Car Insurance, Motorists warned to check misfueling coverage
QuoteClix.com, Car Insurance, Court case highlights modification insurance risks »
  • Pages

    • About
  • Archives

    • December 2023
    • August 2019
    • July 2019
    • June 2019
    • September 2017
    • August 2017
    • July 2017
    • June 2017
    • May 2017
    • April 2017
    • March 2017
    • February 2017
    • January 2017
    • December 2016
    • November 2016
    • October 2016
    • September 2016
    • June 2016
    • May 2016
    • April 2016
    • March 2016
    • February 2016
    • January 2016
    • December 2015
    • November 2015
    • October 2015
    • September 2015
    • August 2015
    • July 2015
    • June 2015
    • May 2015
    • April 2015
    • March 2015
    • February 2015
    • January 2015
    • December 2014
    • November 2014
    • October 2014
    • September 2014
    • August 2014
    • July 2014
    • June 2014
    • May 2014
    • April 2014
    • March 2014
    • February 2014
    • January 2014
    • December 2013
    • November 2013
    • October 2013
    • September 2013
    • August 2013
    • July 2013
    • June 2013
    • May 2013
    • April 2013
    • March 2013
    • February 2013
    • January 2013
    • December 2012
    • November 2012
    • October 2012
    • September 2012
    • August 2012
    • July 2012
    • June 2012
    • May 2012
    • April 2012
    • March 2012
    • February 2012
    • January 2012
    • December 2011
    • November 2011
    • October 2011
    • September 2011
    • August 2011
    • July 2011
    • June 2011
    • May 2011
    • April 2011
    • March 2011
    • February 2011
    • January 2011
    • December 2010
    • November 2010
    • October 2010
    • September 2010
    • August 2010
    • July 2010
    • June 2010
    • May 2010
    • April 2010
    • March 2010
    • February 2010
    • January 2010
    • December 2009
    • November 2009
    • October 2009
    • September 2009
    • August 2009
    • July 2009
    • March 2009
  • Categories

    • Boat Insurance (38)
    • Car Insurance (1,169)
    • Car Insurance Quote (308)
    • Dental Insurance (2)
    • Fraud Scams (24)
    • Free Insurance Quotes (55)
    • General Insurance (1,269)
    • Health Insurance (213)
    • Home Insurance (85)
    • Life Insurance (95)
    • Mortgage Information (16)
    • Title Company (19)
    • Uncategorized (81)
  • Blogroll

    • Development Blog
    • Documentation
    • Plugins
    • Suggest Ideas
    • Support Forum
    • Themes
  • Meta

    • Log in
    • Valid XHTML
    • XFN
    • WordPress

Copyright 2011 ©. All rights reserved. Quoteclix.com | DEL AMO Insurance Services, Inc.