How To Purchase Car Insurance In Tuscaloosa
Many people may assume that buying car insurance is a complicated and time-consuming process, however, utilizing sites such as Insuranceopedia to compare free quotes makes things a little easier, and quicker.
Listed below are the steps to take when buying car insurance in Tuscaloosa.
Step 1: Gather Information
You can fill in details of your car during the actual purchasing process, however, it’s often easier to gather it all before you do so. The details that you’ll be required to provide include the following:
- Driving history for all drivers named of the policy
- 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 Tuscaloosa, the state of Alabama requires that each driver is covered 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 incident
- $25,000 maximum for property damage per incident
Make a note of the above and keep them in mind as you proceed with your insurance application. You could be issued a fine by the state of Alabama if you fail to have sufficient insurance and minimum coverage.
Step 3: Select A Purchasing Method
Nowadays, many people shop online for their insurance as they find it to be the easiest method. It also allows a customer to compare several offers at once without the added pressure of an agent. While this is true, there are still some benefits to taking the traditional route of speaking with an agent.
For example, working with an agent allows you to ask any questions and receive an answer right away. While many carriers offer a live chat on their website, you may have to wait for the information you need in order to complete the purchase.
Regardless of which method you prefer, choosing the policy that’s best for you is the most important thing.
Step 4: Compare Auto Insurance Policies
It’s often easiest to go with the first quote you get. However, gathering at least three quotes from separate carriers is always recommended. With more quotes, you can compare each on and look into the types of discounts you qualify for.
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 final stage.
For example, if you’re switching carriers, you’ll want to cancel your plan with your previous provider after the new policy becomes active.