How to buy car insurance in Montgomery
Many drivers assume buying insurance is a complicated and drawn-out process. However, the majority of drivers can find a policy within a matter of minutes when going through websites such as Insuranceopedia, where they can compare coverage quotes.
Below are some essential steps when purchasing insurance in Montgomery.
Step 1: Gather Information
You can fill out the information step on purchasing auto insurance, although it’s much easier to collect it all in advance. The most common types of information you’ll need when applying 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 motorists in Montgomery, the state requires that each individual carry an insurance 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 accident
- $25,000 maximum for property damage per accident
Make a mental note of these numbers as you progress through the remaining steps of purchasing a policy. The state could charge you a fine for driving without sufficient insurance and minimum coverage.
Step 3: Select a Purchasing Method
Nowadays, a lot of motorists prefer to shop online for their car insurance as it’s often the easiest method, plus it gives shoppers more time to compare quotes without the additional pressure of conversing with an insurance agent. However, there are still some benefits to purchasing insurance the traditional way.
For example, working with an insurance agent provides you with the opportunity to ask questions and receive answers immediately. While many online insurance providers have a live chat feature, you may have to wait for the information you need to proceed.
No matter which path you choose, whether online or in-person, choosing the insurer that offers a policy that makes the most sense for your current situation is what’s most important.
Step 4: Compare Auto Insurance Policies
It’s often easy to accept the first quote that you receive from an insurance agency. However, we recommend that you collect at least three samples from separate insurers. By getting more quotes, you are then able to compare rates and investigate the types of discounts you qualify for from each insurance provider.
Step 5: Purchase Your New Auto Insurance Policy
The last step in purchasing an insurance policy is buying. You’ll need to purchase your new policy and close any open ends at this step.
For instance, if you’re switching providers, you’ll want to get in touch with your former insurer and have them cancel your policy after your new plan becomes active.