How to buy car insurance in Dothan
Drivers may feel that purchasing a car insurance policy is a complex and lengthy process. However, many motorists may not know that they can find a plan within minutes through comparison sites such as Insuranceopedia.
Listed below are some necessary steps when purchasing motor insurance in Dothan.
Step 1: Collect Relevant Information
You can complete the information step during the actual buying process, however, it’s always easier to make sure that you gather relevant information in advance. The information you’ll be asked to provide includes:
- Driving history for all drivers on the plan
- Information regarding your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
- Driver’s license numbers for all policy members
- Name and birthdate of all policy members
- Information on the current insurer, if you’re switching providers
Step 2: Be Aware Of Your Coverage Needs
For motorists in Dothan, the state requires each driver to carry a policy that has the following minimums:
- $25,000 bodily injury liability limit per person
- $50,000 maximum for all bodily injuries to be paid for any one incident
- $25,000 maximum for property damage per incident
Note down these numbers and remember them as you proceed with your application. The state of Alabama could issue you a fine for driving without suitable insurance and minimum coverage.
Step 3: Select a Buying Method
In the digital age of which we are living, many people shop online for their insurance as it’s often the simplest method. It also allows a motorist to compare different providers and their quotes without the added pressure of an insurance agent. However, there are some benefits to the old-school method.
For example, working with an agent allows you an instant answer to any burning questions. While many providers have a live chat feature on their website, you may have to wait a while for the information you need in order to proceed with the purchase.
Regardless of which method you choose, be it online or through an insurance agent, choosing the plan that’s best for you and your situation is the most important thing.
Step 4: Compare Motor Insurance Policies
It’s often easier to choose the first company you see a quote from. However, if you select three providers and receive quotes from them, you can compare their premiums and look at the types of discounts you qualify for.
Step 5: Purchase Your New Motor Insurance Policy
The final step in the process is, of course, purchasing your new policy. At this point, you’ve already made your decision, so before you buy – tie up any loose ends.
For instance, if you’re switching providers, you’ll want to contact your previous carrier and tell them to cancel your policy after the new plan is in place.