Alabama Information We are
licensed in this state to sell insurance.
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The state of Alabama requires that
drivers insure their vehicles with
liability coverage as follows: |
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Bodily Injury Liability Coverage Per
Person: $10,000 |
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Bodily Injury Liability Coverage Per
Accident $40,000 |
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Property Damage Liability Coverage
Per Accident $10,000 |
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When it
comes to getting Alabama auto insurance
quotes, there are factors that will
determine what you will be quoted for the
coverage. Insurers analyze data you provide
in your application or rate quote form and
assess the “risk” involved in insuring your
vehicle and then use that to determine your
rates. If you are classified as a low risk
driver, your rates will be lower to those
who fall into the high risk category.
Factors such as age, gender, marital status,
garaging address, violation and accident
history among other factors are used to
categorize each risk and determine rates.
Vehicle use is an important factor in
determining rates and even eligibility. Some
carriers will not accept a vehicle being
used commercial purposes. Generally, you
will need a commercial policy for that kind
of use.
Discounts are also available and can be
rewarded to those who have not been involved
in an accident within a certain amount of
time and have paid their premiums when due.
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Some
discounts in Alabama include:
- Multiple Vehicle Discount –
Having more than one vehicle on your
policy.
- Driver Education Courses –
Showing a certificate for a completed
driver course can give you possible
discounts.
- Good Student – Some carriers
will provide discounts for students with
a 3.0 GPA or higher.
- Vehicle Features – Airbags,
antilock brakes, anti-theft devices such
as low jack or homing devices can lead
to discounts.
- Low Mileage – If you’re
employment location is close to home or
if a vehicle is used for pleasure
purposes, ask about low mileage
discounts.
- Renewals – Renewing your
policy after twelve months usually
generates a renewal discount as a way to
award policyholders.
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Best way
to compare Alabama Auto Insurance Quotes
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Rates
vary from driver to driver and vehicle to
vehicle; however, it is important to know
how to efficiently compare rates from
multiple carriers so that you can find a
competitive rate. Although you have the same
coverage request, companies can vary in
price as much as over 300 percent.
Comparing auto insurance quotes is even
encouraged by the
Alabama Department of Insurance.
Among the best and fastest way to compare
auto insurance in Alabama is through
OnlineAutoInsurance.com. Our goal is to
allow consumers to complete one simple form
and allow customers to get auto insurance
quotes from multiple companies. In some
states, you can even buy auto insurance
online. |
 Click Here for your Online Proposal 
If you would like to fill out the form on your computer and print out to fax or email the questionnaire using a Adobe Acrobat file (.pdf).
click below. Complete the form on your computer
then print to fax or you can email the form using
your email program on your computer. You can use the free version to read and fill out online available below.
Download the
Acrobat form to your computer
If you would like to fill out the form on your computer
to print out to fax or email the questionnaire using a
Word
document (.rtf) click below. Complete the form on
your computer then print to fax or you can email the
form using your email program on your computer. You can use the free version
of word reader to print out from your computer.
Download the Word form to your computer 
(*warning if you
use the free version you can not save on your computer,
only print out or email to our agency)
(*warning if you
use the free version you can not save on your computer,
only print out, you need a full version to save and fill
out)
You can
use the free versions of Adobe or word to complete the forms.
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Insurance
needs are different for each and every client that we
serve. We realize that at times we are judged by
the company we keep. We continually evaluate new
companies that may be an asset to your business or
personal security..
