How to buy car insurance in Huntsville
A lot of motorists think that buying insurance is a difficult and time-consuming process. However, finding a policy can be done within a matter of minutes when going through sites like Insuranceopedia, which also allows you to compare quotes.
Below are the steps you can expect to take when buying motor insurance in Huntsville.
Step 1: Gather Information
You can fill any information required as you go through the purchasing process, however, it’s much easier to collect all required details in advance. The most common types of information you’ll be asked for include:
- Driving history for all drivers on the plan
- Information about 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 your current provider, if you’re switching to another carrier
Step 2: Understand Your Coverage Needs
For drivers in Huntsville, the state requires that each member on the policy carries insurance with the following minimums:
- $25,000 bodily injury liability limit per person
- $50,000 maximum for all bodily injuries to be paid for any one accident
- $25,000 maximum for property damage per accident
Remember these numbers as you go through the final steps of purchasing an insurance plan. The state could issue you with a hefty fine for driving without appropriate insurance and minimum coverage.
Step 3: Select a Purchasing Method
Nowadays, a lot of people prefer to buy their car insurance online as it’s often the easiest way, plus it allows shoppers extra time to compare rates without the added pressure of speaking with an agent. However, there are still many benefits to buying insurance the old-fashioned way.
For example, working with an agent allows you to ask questions and receive answers instantly. Though many providers have a live chat feature on their website, you may have to wait a while for the answers you need in order to proceed.
Regardless of which method you prefer, choosing the provider offering the best policy for you is most important.
Step 4: Compare Insurance Policies
It’s often simpler to accept the first quote you receive. However, we recommend that you collect at least three samples from separate providers. By getting more quotes, you are then able to compare premiums and look into the types of discounts you qualify for from each provider.
Step 5: Purchase Your New Insurance Plan
The last step in purchasing a policy is buying. You’ll need to purchase your new policy and close any open ends at this stage.
For example, if you’re changing carriers, you will want to contact your previous provider and have them cancel your plan after your new insurance policy becomes active.