If you’re looking for auto insurance for the first time, you may be daunted by the responsibility. Learning everything you can about insurance requirements and variations can help you feel more confident in your search for a quality policy while ensuring you’re adhering to relevant laws. Below are several key FAQ about car insurance to get you started.

What to Know About Auto Insurance

What’s the minimum coverage you need?

By law, all drivers are required to have liability insurance, which covers payouts to others for bodily harm and property damage if you cause an accident. In Alabama, the minimum monetary requirements for car liability policies are $25,000 for bodily injury per person, $50,000 for bodily injuries per accident, and $25,000 for property damage per accident. It’s important to note that this insurance does not cover you, so you may want to look into uninsured coverage, collision coverage, and comprehensive coverage, which provides protection in case of theft, vandalism, or natural disaster.

What do you need to get a quote?

To get a quote, you’ll need all of your basic personal information, like your name, address, job, driver’s license number, and birthday. You’ll also be asked about your car's information, such as the year, make, model, VIN, current mileage, and whether you own or lease it. Your driving history will also be asked about, and you should disclose previous tickets, accidents, and violations. All of this information helps the company give you an accurate insurance quote.

Are you obligated to go with the first quote you get?

It’s often advisable to get free quotes from multiple agencies so you can compare coverage options and prices to get the best deal while having secure coverage. When asking for a quote, be sure to check that it’s free and no-obligation, but most companies will happily offer them. Sometimes, you can use other offers to negotiate pricing with an agency you like.

Are there ways to lower your premiums?

Having a safe driving history and owning vehicles with comprehensive safety features can get you low premiums. If you still want to explore discount options, ask the agencies about discount plans when getting your insurance quote. Some offer discounts for multiple drivers or vehicles on the same policy, such as loyalty discounts, accident-free driving discounts, and discounts for taking driving courses or letting them monitor your driving habits. 

If you’re ready to get an auto insurance quote, reach out to Russell Insurance Agency in Robertsdale, IL. With over 20 years of experience, they’ll connect you with reliable policies from trusted providers. Whether you need auto liability insurance or full coverage, their agents are dedicated to finding policies that meet your needs and your budget. Read previous client testimonials online, and call (251) 947-3607 to request a quote.