Odds are if you own a vehicle, you have or plan on getting an automobile insurance plan. It sounds simple enough, but do you understand what type of plan best meets your needs?

Are you going with the best company?

Are you paying too much?

All of these questions are important to consider when you’re looking to purchase car insurance. The first thing you need to do is decide on a plan that suits you and your vehicle. This can be something as simple as a liability plan that covers damage you do to someone else or their property. If you’re searching for a full coverage plan, many insurance companies offer packages with multiple benefits like roadside assistance, towing and uninsured motorist coverage. Think of combined benefits from

car insurance

providers like ordering from an ala carte menu.

Once you think you have an understanding of what coverage you want, you need to shop around for

car insurance quotes

. There are many insurance providers that will give you their quote, along with the quotes of other top competitors. You can easily get these side by side quotes online.

While they say they are comparison

auto insurance quotes

, it would be best to get each quote directly from the respected company. You can also call insurance agents directly in your area, and many can give you a quote over the phone just by asking a few simple questions. Once you’ve satisfied your need for shopping around, you can go on to pick the plan and company that won your vote. Here are some things to remember when you are looking to purchase

car insurance

, whether you’re a first timer or changing companies.

Think about how you drive your car. Think about your budget. Tickets and accidents cause premiums to rise. So if you’ve got a lead foot and accident prone, maybe you need to tailor your insurance plan around that. Also, there are some insurance companies that can be “pushy” when it comes to sales. Don’t feel intimidated. If they are pushing a plan that covers towing and roadside assistance for “just a little more money” and you know that you don’t leave town enough to make use of that plan, just let them know that it doesn’t fit in with what you had hoped to have in your coverage.

With that, best of luck in purchasing your car insurance plan.

Source: http://news.carjunky.com/car_insurance/guide-to-car-insurance-cdh218.shtml

Automobiles are restricted from being operated, registered or to keep registration without being covered by an active AL car insurance policy or valid proof of financially responsibility. Similar to just about every state in the nation, a motorist must have the ability to pay and compensate other parties for bodily injury and/or property that they may cause as a result of a traffic accident. The most common method used by residents to comply with such laws set by the state is by purchasing automobile coverage from a licensed insurer that meets Alabama’s minimum protection requirements.

In accordance with Act 2008-393 all vehicles in the state that are covered by an Alabama automobile insurance policy must contain liability limits of no less than $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $25,000 for property damage. All policies must be issued by an insurer that is approved and licensed by the state and documentation proving that a vehicle is insured must be carried at all times while the automobile is being operated. Documentation proving that vehicles are covered must contain the name insured, year make and model of the automobile, vehicle identification number (VIN), name of carrier, policy number and the effective and expiration dates of coverage.

Failure to Carry AL Auto Insurance

Operating an automobile without financial responsibility in place is not only illegal, but can also lead to consequences that can be avoided. Law enforcement officers are allowed, and may request proof of a valid policy during a routine traffic stop or upon arrival on the scene of a traffic accident. If a motorist’s

auto insurance

is canceled for any reason and the Department of Revenue is notified and made aware of this, the registration of the automobile can be suspended. In addition to the suspension of a vehicle’s registration a fine may be issued as well. In order to have the the car re-registered the fine must be paid a proof of coverage must be submitted.

The fine for a first time suspension is a $100 reinstatement fee and subsequent violations can result in $200 reinstatement fees and a suspended registration of four months. However, complying with the state’s laws can be done quite easily and may be far less of a hassle than having to deal with fines, suspended registrations and court appearances. Shopping around can help residents find the best deal on automobile coverage and avoid such penalties and the chance of being involved in an uninsured accident which can be extremely devastating both monetarily and emotionally. Alabamans may want to refer to the Consumer’s Guide to

Auto Insurance

provided by the state to help assist in understand more about vehicle policies.

Source: http://www.onlineautoinsurance.com/alabama/