CHEAP AUTO INSURANCE IN ALABAMA

Cheap Huntsville AL Auto Insurance

Cheap Car Insurance in Huntsville





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Are you paying too much for your auto insurance in Alabama or haven't had car insurance in Huntsville before? Well, we can help you.

You might be one of those people who are throwing away their hard-earned money by paying exorbitant premiums for their auto insurance. Let us help you find the best insurance rates in Huntsville AL.

Just enter your zip code above, and we'll provide you with quotes from various companies. That will allow you to compare the quotes, and then make a wise decision.

Don't drive all over town or spend hours on the phone going from insurance agency to insurance agency in Huntsville. Relax and let us get the quotes for you!




Proof of Liability Coverage


Evidence of liability insurance coverage must be carried in each motor vehicle registered or operated in Alabama. If a law enforcement officer requests to see such proof, it must be presented to the officer.

What is considered proof of liability coverage?

The best proof is the insurance card that is issued by your insurance company. The insurance cards are issued by companies that are licensed to issue vehicle liability insurance in Alabama. The cards contain the make of vehicle, year model, vehicle identification number, insured's name, the name of the insurance company, the insurance company NAIC number, the policy number, and the effective date and expiration date of the policy. The card must be current.

Other acceptable documents may be carried to prove insurance coverage. Those include:

(1) A temporary insurance card issued by the insurer
(2) The current declarations page of an auto liability policy.
(3) A receipt or insurance binder issued by the insurance agency
(4) The actual auto liability policy issued for the vehicle.
(5) A copy of the rental agreement on a rental auto which specifies the insurance coverage




Minimum Auto Insurance Coverage


The minimum auto liability insurance coverage permitted by law in the State of Alabama must provide a minimum of $25,000 for bodily injury/death liability for one person in an accident, $50,000 for all injuries/deaths in an accident, and $25,000 for property damage in an accident.

You may see these limits written as:

$25,000/50,000/25,000.




* FYI *

In 2015 there were 765 vehicle thefts reported in the Huntsville, Alabama metropolitan area.

This figure is provided by the NICB (National Insurance Crime Bureau.)






Insurance Classifications:

Insurance companies separate all drivers into multiple classifications when determining rates for insurance policies.

Various factors are used to classify those drivers. Some of the factors are:

(a) gender,
(b) driving record,
(c) age,
(d) marital status,
(e) former insurance record,
(f) where vehicle is garaged, and
(g) number of miles annually driven

History shows that drivers with certain characteristics are much more likely to be involved in an accident. So the drivers who exhibit those characteristics are charged higher rates.

While you are NOT able to control your age or gender, you certainly can take responsibility for your driving record and for the type of automobile you drive.





Save Money
On Car Insurance in Huntsville AL


(1) good student discount

(2) nonsmoker discount

(3) accident free discount

(4) multiple vehicle discount

(5) Increase deductibles

(6) Pay annually, semi-annually, quarterly, not monthly

(7) passive restraint discount (automatic seat belts, etc)






TIPS - If you are in an auto accident...


(1) Call the police right away
(3) Jot down the details, such as date, time, location, damage & injuries, road conditions,
(4) Get any witnesses' info
(5) Take pictures of all damage
(6) Draw a diagram
(2) Write down the other driver(s) info...
name, address, drivers license number, tag number, insurance company, insurance policy number
(7) Notify your insurance company immediately




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We want you to be armed with sufficient knowledge to help you make a wise decision about your auto insurance policy.

Be sure to enter your zip code in the box above to get the quotes you need. Look them over, then purchase the policy that's right for you!



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