Cheap Car Insurance in AlabamaSaving money with cheap car insurance in Virginia has never been easier. Get instant quotes and start saving with cheap Virginia insurance. Like all states of the Union, Alabama requires licensed drivers to carry insurance on the cars they drive. The minimum coverage for Alabama car insurance is 25/50/25. In addition to liability insurance, you can get comprehensive and collision coverage. These forms of insurance are generally the kind almost everyone will seek to purchase. However, there is another kind of coverage which is gaining popularity among Americans who are looking to save money on their car insurance. This coverage is known as Pay-per-mile coverage. Alabama car insurance companies offer pay-per-mile coverage. You can reduce your cost for car insurance up to $270.00 per car. To qualify for pay-per-mile coverage you need to be able to declare any one or two of the following conditions is true for you. You do not drive your car very much, and when you do drive your car, it is not in peak driving hours. Also, you limit your driving to non-congested areas and you practice safe driving habits. Many insurance companies may not take your word for these statements and will want to put a plug-in device on your car to monitor how much you drive, when and how many times you use your brakes. While we are talking about ways to save money on your Alabama car insurance, you need to be aware of what your insurance will and won't pay for, especially in the realm of medical coverage. The Alabama car insurance industry is heavily regulated and there are certain restrictions placed on them to keep them from excluding you for what may be termed frivolous exclusions. However, one thing which would be excluded is medical coverage while on a vehicle with fewer than 4 wheels. Another area you may need to be familiar with is using your vehicle as a public conveyance, that is as an unregistered taxi cab. Soccer mom's beware. And finally, something called duplicate coverage, which would be for injuries sustained during work hours, if you use your car as a part of your employment. This should be covered by your employer's insurance or worker's compensation. Alabama Department of Insurance 201 Monroe Street Suite 1700 Montgomery, AL 36104 Phone: 334-269-3550 Fax: 334-241-4192 website: http://www.aldoi.gov/ |
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