Gathering Montgomery insurance quotes might not be as exciting as touring Old Alabama Town, but if you learn a little history about Alabama coverage and how you can save on them you just might get a teeny bit titillated.
Basing Your Auto Insurance Rate
In The Yellowhammer State, drivers are required by law to purchase liability insurance in the minimum amounts of $25,000 for bodily injury or death of one person per accident; $50,000 for bodily injury or death of two or more people per accident, and $25,000 for property damage per accident. Your Montgomery insurance agent will likely recommend you increase your coverage to $100,000 for each person and $300,000 per accident, and with below average insurance costs, Alabamans have a little more wiggle room than about half of their fellow Americans to do so. According to the Insurance Information Institute (I.I.I.), the average cost for auto insurance in the United States in 2007 was $795 whereas Alabamans paid an average of $684 that year. But living in one of the most populous cities in the state, residents of the Cradle of the Confederacy could be paying well above that average. Heavily populated cities tend to draw in more traffic congestion and crime which creates costlier Montgomery insurance quotes. If your vehicle is equipped with an anti-theft device you'll garner a discounted premium. Add a tracking device to the mix and you can save even more. Cut back your drive time by carpooling or riding the bus when possible to cut down your annual mileage. Your wallet will thicken as you accrue savings on your auto insurance while lessening your gas consumption and car repairs.
Laying the Groundwork: Homeowners Insurance
With frequent thunderstorms and tornadoes, homeowner's insurance coverage in Montgomery can be the key to restoring your residence after you weather the storm. However, this valuable coverage comes at a steep price. According to the I.I.I., Alabamans paid an average of $905 for homeowners insurance in 2007, the sixth highest in the United States. Montgomery insurance quotes for homeowner's coverage can be quickly discounted if you raise your deductible. Revisit your policy to make certain the items you're insuring are necessary. By trimming down coverage for your personal property you can also reduce your premium.
A Time-Saving Technique
There are countless companies offering Montgomery insurance coverage and you can find the fit for you by comparison shopping. But visiting individual insurance companies can take up a lot of time and gas money. But you'll sacrifice perhaps 10 minutes of your time and spend nothing if you utilize NetQuote's services. All we need is a little information about your insurance needs so we can match you with the appropriate providers, and in no time you'll be comparing Montgomery insurance quotes at your leisure.