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.
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