Monthly Archives: April 2018

About Getting Alabama Auto Insurance

It is not uncommon for each state in the country to have its own set of rules regarding auto insurance. When it comes to the state of Alabama, the state requires you to have auto insurance policy that that can cover minimum liability. Understanding and following the rule to this minimum liability coverage will make sure that you will be spared from paying hefty fines by not having one when you drive – which starts from $500 and above. Understanding how Alabama auto insurance works will also make sure that you will not lose your precious driving license – especially if you have to commute daily with your own vehicle.

Minimum Coverage

As mentioned, it is essential for you to understand the minimum liability coverage in Alabama. According to the law in this particular state, there is minimum $25,000 coverage of bodily injury in the event of a crash for each person. As for the total coverage of bodily injury for each accident, it is about $50,000. Meanwhile, the insurance should be able to cover for $25,000 in the event of a property damage arising from the accident.

The above information is just some important Alabama auto insurance rules that you have to understand and adhere. Of course, there is always the likelihood that the figures above may rise – especially if there are lawsuits arising from the auto accident. Keep in mind that the numbers above don’t really cover for the damages to your vehicle. In order to be protected from such a thing, you usually have to pay for more premiums and ask the insurance provider.

Ways to Get Discounts

Upon learning the numbers above, it’s no reason for you to get discouraged. There are ways that you can do to reduce your insurance cost. It is not that hard to look for affordable Alabama auto insurance, especially if you know where to look. One of the best ways to save on the car insurance cost is to tap into the discounts provided by the insurance provider. More information on how to take advantage of the discounts is explained below.

If you are using the service of one insurance provider for multiple coverage, which may range from your health insurance, life insurance, and home insurance – it is possible to ask for multiple coverage discounts. At the end of the day, the company would like to keep you as their customer. If you ask nicely and firmly about the possibility of a discount, since you are a loyal consumer of the company, it will have no choice but to oblige. The key here is to be polite yet firm.

The next tip is similar to the above tip on how to score better deals for your Alabama auto insurance. In this case, however, you are asking for multiple car discounts. That’s right, if you have several cars being insured to the same insurance provider, it’s your chance to get a reduced quote. Use this opportunity to ask for the discount from your insurance provider. There’s no harm in asking, right?

Maintain Good Driving Records

Having a good driving record will help reduce your Alabama auto insurance cost. This applies to other states in the country as well. If you can maintain this good record for a long time, you can use this as a case to appeal for a lower insurance cost. Since you are not categorized in the high risk case, there is a good chance that the company will lower your cost. Similarly, if your car has a very low car mileage – you can use it as an excuse to have the insurance company lowered the auto insurance cost. The logic behind this is simple. The lower your low mileage is, the less likely you will get into an accident. So go ahead and take your chances by asking for a discount.

Terms of Auto Insurance

Do you want to get the auto insurance coverage you desire for your car? One basic way of accomplishing this is by learning the terms pertinent to auto insurance.

The benefits of learning and knowing the terms of auto insurance can not be over-emphasized. It will not only build your basic knowledge, but stand as a key factor to choosing the right insurance policy for your car.


This is the insurance company that underwrite and/or issues insurance policy to policyholders. There are much insurers worldwide and have their own method of operation according to local law, custom and economic level of the state or country at large.

The name carrier is referred to the insurer because it is the insurance company that actually carries the risks for the policyholder.


This refers to the loss or liability resulting from an accident, damage, storm etc. The policyholder can then be compensated for the incurred loss of the car from such incident. This is usually done as a claim and carried out by the adjuster.

Casualty is often one of the major causes of a claim by the policyholder. When there are more casualties there will likely be more claims but when there are few casualties there will most likely be few claims. But this is mainly based on the policyholder’s qualification of the conventional liability coverage.


This is someone who gives a notice to an insurer for an incurred loss. This is usually done for the main purpose of collecting a claim from the carrier to cover or reimburse the incurred loss. Then insured will be covered with the claim as based on the terms and conditions of the insurance company.

In most times the claim may be lost on the event of an incurred loss if the policyholder is no longer an active customer to the insurer. This is to motivate the assured to be regular in paying his premiums as this will be helpful in the event of an incurred loss.

It is reasonable for a claimant to submit a claim for incurred loss coverage as long as he/she is still an active customer of the insurance company. Most often, the insurers do not offer claims to the insured unless on the event of an incurred loss.

Coverage Forms

These are legal documents attached to an insurance policy to put into effect the coverage of the policy as provided by the insurance company.

These forms are really necessary for a good insurance coverage as it will determine the effectiveness of the insurance policy.

The endorsement form shows the legal and coverage status of the policyholder as issued by the insurance company.

Combined Single Limit

As the name suggest, this refers to the amount (limit) of money an insurer, based on the insurance policies, can pay as a liability coverage for both bodily injury and property damage.

The amount of coverage may differ from insurer to insurer as this is based on the insurance terms and conditions as well as the policies of the insurance companies.

It is different from that of the split limit policy where the amount for liability payment limits of property damage and bodily injury are paid separately.


In auto insurance terms this refers to the agreement between two or more parties to achieve a common aim. This can be seen from the agreement between the insurance company and the insured.

This is also evident in the agreement between the insurance company and the agent, with each party offering the interest to the other.

Competitive Estimate

In the auto insurance sphere, this means the request made by an insurer to a policyholder to submit more than one repair estimates to meet his/her needs. This may involve the total estimates of repair involved.

This usually happens when there is an automobile damage resulting in incurred loss which requires some major of repair.

The policyholder should be sincere and accurate in all details which will be filled in the estimate form and later be submitted to the insurance company.

When an insurer request for repair estimate to be submitted the policyholder should comply and do so accordingly without any further delay.

Get the very best of auto insurance along with the cheapest quotes at, the home of auto insurance. We commit ourselves to providing you with high quality information and reviews about auto insurance and quote to fulfill your coverage needs and make you get the best auto insurance policy for that car of yours.

Tips to Save on Auto Insurance

Now that the economic times are so tough, many people are in search of ways of cutting their expenditure. Most financial advisers recommend their clients to live within their means. However, when it comes to saving on auto insurance, many people find themselves absolutely clueless how save money and still get the right auto insurance policy. For those who have no idea how to save on auto insurance, they should consider the following top 7 tips:

1. Taking precautions

Taking precautions basically means people should do certain things that show the insurer that they are a no-risk client. Normally, the amount of risk posed by a potential insure to the insurer is reflected by their premiums. Insurance companies charge low premiums when they determine that a user will not main any or minimal claims in the future. Two ideal ways of taking precautions effectively include going for defensive driving lessons and getting a separate set of winter tires.

2. Purchasing in bulk

For those who have more than a single car, and they also need to insure their house or other property; they should get all these insurance policies from a single provider. Choosing lump-sum payments is another form of bulk buying. When settling on an insurer, thinking about how much payment will have to be made cumulatively is important. The longer the payment period, the more payment likely has to be made. So paying in bulk for insurances, including auto insurance, is a good way to save money too.

3. Cleaning up record

Those who want to save themselves from the exorbitant charges of their auto insurer, they should make sure that they got their end covered and protect themselves to avoid paying too much. Their insurability and their record will be influenced by certain options. The first thing that breaks or makes their bargain plea is their driving record. The driving record should be kept clean, without accidents and tickets. People can save up to at least 5% in auto insurance premium costs by keeping a clean license.

4. Lowering liability

Those who are not able to save on auto insurance in any other way; they should choose to shed off the unnecessary. There are several ways of cutting back. One of them is lowering the value of the car. The cost of repair is directly proportional to the value of the car. Avoiding extras on the car is another way of cutting back. When a claim is made, insurance companies try to scale it down as much as they can. Extras on the car are ignored this way, so wasting money for unnecessary claims should be avoided.

5. Using temporary covers

Using hire cars or rentals instead of the car that is insured is another way of saving on auto insurance. Another way of saving on auto insurance is to purchase a cover for 27 days.

6. Doing homework

Reviewing the reputation of the insurer is also very important when it comes to saving on auto insurance. Moreover, quotes should be compared and the lowest of all the quotes should be selected. Penalties can be avoided by sticking to a single insurer for a minimal period of time. Jumping to the next auto insurance becomes available is also a way of enjoying cheap auto insurance. However, it is not advisable to move from one insurance company to the other during the mid-policy term. By actually finish the term, many savings can also be availed. People should spend some time shopping around.

7. Evaluating the deductibles

When a claim is made, the deductible are what is paid up front. Some things should be considered before varying this amount. Knowing when to raise the deductible is important. Deductibles should definitely be raised by careful drivers if it causes the premiums to decrease significantly. Knowing when to lower the deductible is also important. If a claim is expected to be made in a year, how much premiums will be saved that year should be considered first. If it is less than what will be added to the deductible, then the deductible should be lowered.