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What To Look For In A Full Coverage Car Insurance Quote In Alabama | A Automotive Article
In Alabama the minimum insurance that every driver must purchase in order to legally drive on a public roadway is a liability policy with a payout of $20,[link widoczny dla zalogowanych], 000 in medical coverage for any one individual, $40,[link widoczny dla zalogowanych], 000 in medical coverage for any one accident, plus $10, 000 in property damage coverage for any one accident.
If you finance the purchase of a car your lender will require that you buy additional insurance coverage. For example, in addition to liability insurance your lender will require that you purchase collision and comprehensive insurance that will cover the value of the loan that you have accepted, plus you will probably be required to purchase Uninsured Motorist (UM) coverage to protect your vehicle if it is damaged by a driver without insurance or who has insufficient insurance to pay for the damage to your vehicle.
The reason that your lender will require collision and comprehensive coverage is because liability insurance - which you are required to purchase - only covers the other vehicle in an accident but does not pay for the repair or replacement of your vehicle.
For this you need collision and comprehensive coverage. Collision coverage, as the name implies, pays for the repair or replacement of your vehicle if it is damaged in an accident (a collision) with another vehicle or with a stationary object, such as a tree or a guardrail - especially if the accident is deemed to be your fault.
Comprehensive insurance pays for the repair or replacement of your vehicle if it is damaged by natural causes,[link widoczny dla zalogowanych], such as a tree branch falling on it, or hail damage (repair or replacement of a windshield may require a separate policy - ask your agent),[link widoczny dla zalogowanych], or if it is damaged by vandalism. Comprehensive insurance also pays for damage to your vehicle if you hit an animal, such as a deer.
In putting together a full coverage automobile insurance policy your collision and comprehensive insurance should never be for more than the Kelly Blue Book value of your vehicle and they should never be for less than what you owe on the car. If you owe more than the Kelly Blue Book value for your vehicle then consult with your lender.
Once you (or your lender) have determined the minimum amount of liability insurance that you need (which could be for an amount greater than the state-mandated minimum) and you have determined the minimum amount of comprehensive, collision and uninsured motorist coverage you need, and once you have determined the maximum deductible that you feel comfortable paying in the event of a claim - and which your lender is also comfortable with - then all that's left is for you to get online and look up at least 3 different websites which let you compare the prices of automobile insurance policies from multiple lenders.
The real trick is to put the exact same information into the form on each of the 3 different websites so that you are comparing the price of the same policy each time. Once you have the prices from all three websites all you need to do is to pick the cheapest price for the policy you are comparing and your job is done! You now know what to look for in a full coverage car insurance quote in Alabama and you know how to compare a policy online and how to find the best possible price.
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