Posted: Sunday, November 19, 2017 11:12 PM
Cheap Auto Insurance in Birmingham AL Online in Minutes!
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It will cost you nothing to switch auto insurance policies and you get cheap rate quotes from some of the largest insurance providers in Alabama.
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Don't pass up this opportunity to find the cheap car insurance in Alabama that you're looking for. You could save a bunch of money on cheap full coverage auto insurance and protect your car or truck in the event of accident or theft or maybe you'd rather save money with cheap liability car insurance. Offering online quotes for auto insurance coverage in Birmingham, AL and all across the entire USA. Just a couple of minutes of your time and you could save a lot of money on your car insurance in AL. But you're going to have to see for yourself how low these rates can go.
Alabama's state minimum insurance requirements are 25/50/20. The first two numbers refer to bodily injury liability limits and the third number refers to the property damage liability limit. The first two numbers in 25/50/20 would mean in an accident each person injured would receive a maximum of up to 25,000 with only 50,000 allowed per accident (ex. 2 people needing 25,000, if the need is more such as 3 people needing 25,000 then whoever files first gets first access to the 50,000 limit and you may be sued for the rest if the accident was your fault!). The last number refers to the total coverage per accident for property damage which in this case would be 20,000.
Car insurance providers use various factors to determine the likelihood of a policyholder having a loss or accident. Some factors include: type of vehicle (including model, year and value); driving history; age; gender; number of claims you have previously filed; where you park and drive the vehicle; and even your policy's deductible amount. Because many drivers break the law and drive while uninsured, it is important to consider purchasing uninsured/underinsured motorist coverage. This protection is a lifesaver for drivers who have been hit by anyone who is not insured or whose policy limits do not cover all of the damages that were inflicted. Your auto insurance provider pays out costs beyond the policy limits for the at-fault driver.
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* CHEAP FULL COVERAGE INSURANCE
* CHEAP LIABILITY INSURANCE COVERAGE
* COLLISION COVERAGE
* COMPREHENSIVE COVERAGE
Auto Insurance Discounts:
See if these are available:
* Low annual mileage - For driving less than a certain number of miles per year.
* Defensive driver - For drivers over a certain age who pass an approved defensive driving course.
* Auto/home multi-line - Discount given if your auto and homeowners policies are with the same company.
* Anti-theft devices - Discount for devices that deter vandalism and theft.
* Good student - Offered to young drivers who have a "B" average or better.
* Safety devices - Offered for things like anti-lock brakes, air bags and automatic seatbelts.
* Mature driver credit - Offered to drivers over a certain age, usually around 50.
* Good driver - For drivers who maintain a good driving record.
* Multiple vehicles - When your company insures two or more autos in your household.
Protection against damage/loss by theft is not covered by basic liability insurance. One must purchase comprehensive coverage to be protected against theft. The Birmingham-Hoover, AL Metropolitan Statistical Area (MSA) had 3,671 auto thefts reported in 2016. This ranked the MSA 65th nationwide for most stolen vehicles per-capita according to information from the National Insurance Crime Bureau (nicb.org).
It certainly can't hurt to check it out and see you how much could save. Why not take a couple of minutes of your time and be sure that you're getting the lowest car insurance rate possible? Don't settle for anything less than the best rate available from a major insurer.
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cheap car insurance in Birmingham, AL.
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Alabama Department of Insurance.
• Location: Alabama, Birmingham
• Post ID: 8040350 birmingham