How to buy car insurance in Mobile
Many people may assume that buying car insurance is a complicated and time-consuming process. However, most drivers can find a policy within a matter of minutes when utilizing sites such as like Insuranceopedia to compare free quotes.
Listed below are some essential steps when buying a car insurance policy in Mobile.
Step 1: Gather Information
You can complete the information step during the purchasing process, however, it’s always easier to make sure you have it all beforehand. The information that you’ll be required to provide includes:
- Driving history for all drivers who will be 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 carriers
Step 2: Be Aware Of Your Coverage Needs
For drivers in Mobile, the state of Alabama requires that each motorist 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
Make a note of these numbers and keep them in mind as you carry on through the steps of buying a policy. The state of Alabama could issue you a fine for driving without proper insurance and minimum coverage.
Step 3: Select a Purchasing Method
Nowadays, many people will shop online for their insurance as it’s often the easiest method. It also allows a consumer to compare a few different offers without the pressure of an agent. While this may be true, there are some benefits to doing things the old-fashioned way.
For example, working with an insurance agent allows you to ask any burning questions and receive an answer instantly. While many insurers have a chat feature on their site, you may have to wait for the information you need in order to proceed with a policy.
Regardless of which method you go for, whether its online or through an agent, choosing the policy that’s best suited to you and your current situation is what’s most important.
Step 4: Compare Auto Insurance Policies
It’s often easy to simply opt for the first quote you get from an insurance agency. However, collecting at least three quotes from different insurers is always worth doing. With more quotes, you can compare their premiums and review the types of discounts you qualify for from each provider.
Step 5: Purchase Your New Auto Insurance Policy
The final step is purchasing. You’ll need to buy your new policy and close any open ends at this step.
For example, if you’re replacing coverage, you’ll want to contact your previous insurer and have them cancel your car insurance policy after the new plan has become active.