If you’re thinking of getting your first auto insurance policy or are in the market for a better bargain than your current coverage, you might feel a little daunted by the vast selection. However, knowing what to look for is crucial to ensuring your protections are comprehensive while also being affordable. The following information will set you on the right path when it comes to securing solid insurance coverage.

Car Insurance FAQ

Are there different types of coverage?

Liability insurance covers bodily injury and property damage incurred by others because of your actions. You may also be interested in collision coverage, which pays for repairs to your own vehicle, or comprehensive protection, which covers you for damage incurred for collisions not involving other vehicles. If you’re making payments on an auto loan, your lender will likely require that you have some measure of collision coverage on your policy. You can speak with an insurance agent to determine your specific coverage needs.

Is there a minimum coverage limit?

In Alabama, drivers must have a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage for two or more people, and $25,000 in property damage coverage, according to the Alabama Department of Revenue.

How long can I stay on my parents’ auto insurance policy?

If you’re currently included on your parent’s policy, it’s basically up to you when to leave. However, consider that the younger you are when you leave your parents’ policy, the higher your rate will be. Also, women are likely to receive better rates than men due to driving statistics, which means your rate can increase further depending on your sex. 

How can I ensure insurance costs remain manageable?

The best way to keep insurance costs down is to have a good driving record. Many companies offer discounts to drivers who remain accident-free because this makes them far less risky to insure. The type of vehicle you insure can also play a role. A sports car is almost always more expensive to cover than a sensible vehicle with a lot of safety features.

Drivers in Foley, AL, in search of effective and affordable auto insurance solutions look to Southern Insurance AL, LLC. As an independent insurance agency, you can rest assured you’ll have access to quality policies at affordable prices. If you have a spotty driving record, they also offer SR-22 insurance, which is designed with high-risk drivers in mind. For 26 years, they’ve been going above and beyond when educating new drivers, which is crucial when you’re just getting out on the road. Call (251) 943-3340 today to speak with an agent or like them on Facebook for more great auto insurance tips.