Since having liability automobile insurance to show proof of financial responsibility is mandatory in Alabama, drivers must be able to afford at least the minimum coverage of a policy featurin $25,000 injury liability for one person, $50,000 in injury coverage for all individuals involved in an accident, and $25,000 minimum coverage for any property damage resulting from one incident. Drivers can help to keep their Alabama car insurance costs as low as possible by doing some comparison shopping prior to deciding upon a reliable insurance carrier in addition to seeing if they qualify for any of the following car insurance discounts available in Alabama:
Good Driver Discount
Major insurance companies such as State Farm offer an accident-free discount that rewards drivers who do not have any chargeable accidents on their driving record for the past three years. This discount applies to bodily injury, collision, medical payments and property damage liability premiums.
Defensive Driver Course Discount
Many insurance companies such as Geico recognize the value of not only understanding the rules of the road but also putting them into practice. Any policy holder age 55 or older who can show proof that they successfully completed a defensive driving course sponsored by the American Automobile Association, the National Safety Council or the American Association of Retired Persons is eligible for a discount. Courses can be taken online and cost a nominal amount, less than $20.
Driver Training Discount
Younger drivers under the age of 21 usually have the most expensive insurance rates because they represent the highest risk factor on the road due to their lack of experience. But drivers who can show that they completed a driver education course including both classroom and on the road instruction can qualify to receive a driver training discount in Alabama, which ranks the fifth highest in the country for teen driving fatalities.
Safety Feature Discount
Most insurance companies, including 21st Century in Alabama, offer rate discounts if a driver’s car includes such safety features as anti-lock brakes, airbags and a GPS theft prevention system that can track a vehicle that has been stolen in order to aid in a quick recovery.
Good Student Discount
Getting good grades can help lower car insurance for Alabama high school and college students who maintain a “B” average or better, a grade point of at least 3.0 or is mentioned on the Dean’s List or Honor Roll. Even students enrolled in home-study programs qualify if they can show their grades place them in the upper 20% of their class.
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