Whether you are buying your first Montgomery auto insurance policy or looking to compare quotes to find a lower rate, you have come to the right place!

Use our free Montgomery, AL car insurance quote finder to compare car insurance policies and search for the lowest Montgomery car insurance rates around.

Find the Montgomery car insurance policy that will best meet your needs and fit your budget in just minutes!

Montgomery Car Insurance Rates

If you are looking to find the lowest Montgomery car insurance rates possible then here are a few tips to help you get started.

• Eliminate Unnecessary Coverage: One way to lower your car insurance premium is by dropping any unnecessary coverage from your policy. However, always make sure you have at least the state’s minimum requirements and enough coverage for your personal financial situation.
• Increase Your Deductible: By increasing your car insurance deductible you can lower your premiums and save money on your Montgomery car insurance policy.
• Raise Your Credit Score: Your credit score is one of many factors that auto insurance companies use when determining your rates. Having a higher credit score will help you find lower auto insurance in Montgomery.
• Find Discounts: Take advantage of the many discounts that auto insurance companies offer such as low mileage, good student, and safe car as these are great ways to lower your rates.
• Shop Around And Compare: Not every company will offer you the same rates for the same car insurance policy. Shopping around is probably the most important factor when it comes to finding the lowest rates. Use our free Montgomery, Alabama car insurance quote finder to compare quotes now!

Montgomery, Alabama Car Insurance Requirements

In Alabama, drivers and owners of registered vehicles must have a certain amount of auto insurance. The state of Alabama minimum auto insurance requirements are as follows:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability

In addition to the required minimum coverage some other coverage that you may want to consider includes:

• Comprehensive: This will cover damages to your vehicle that are non accident related like fire or theft.
• Collision: This will cover accident related damages to your car.
• Personal Injury Protection (PIP): This will cover medical expenses of you and your passengers when in an accident.
• Uninsured/Underinsured Motorist: This coverage is designed to protect you if you are in an accident with a driver that has no insurance or is underinsured.

Before you purchase your Montgomery auto insurance, consider what kind of coverage you need on your policy and compare your coverage options with our free Montgomery car insurance comparison tool!

Why You Should Shop Around For Your Auto Insurance In Montgomery

In case you’re not sure why shopping around for car insurance is important, here are some reasons why comparing rates before you buy is essential to finding cheap Montgomery car insurance.

• Auto insurance rates aren’t fixed. The state does not set auto insurance rates at a fixed price. Auto insurance companies are free to set rates as they choose.
• No single insurance company is the best choice for everyone. Even though your coworker got a really low rate from one company, it doesn’t mean that company will be the best choice for you. Insurance companies all have different ways of determining their rates, so not all companies will offer you the same rate. Shopping around can save you a lot of money and it only takes a few minutes!
• Rates are constantly changing. You may think that once you find the lowest price, you are good to go for years. However, auto insurance rates are constantly changing so shopping around every four to six months is ideal for continuously getting the best deal possible on Montgomery auto insurance.
• It only takes a few minutes. You may think that shopping around for car insurance is too much of a hassle. The truth is you can have your car insurance comparison shopping done in just a few minutes and all from the comfort of your own home! Our free Montgomery auto insurance quote finder lets you quickly and easily compare quote side by side. 

Montgomery, Alabama Watch Your Car Program

One factor that car insurance companies look at when determining your rates is the location that you live in. They may consider things like accident statistics in that area, along with traffic reports and vehicle thefts. Most often rural areas have lower insurance rates than urban areas, because there is less traffic, fewer accidents, and fewer vehicle thefts.

Montgomery, AL has a program called Watch Your Car that can help prevent vehicle theft from happening to you. Watch Your Car is a voluntary program where you can register your vehicle and sign agreement that says you rarely use your vehicle between 1 A.M. and 5 A.M.

Drivers who have their vehicle registered in the program will receive a decal to place on their car. If the police see a car with a Watch Your Car decal driving between 1- 5 A.M. they can pull over the car and verify that the driver is really the owner.

Compare Montgomery Car Insurance Rates Now!

Take a minute to compare Montgomery car insurance rates now to make sure you are getting the affordable policy you need.

Take advantage of our free Montgomery, AL car insurance quote finder at the top of the page by entering your zip code and getting your free quotes in just minutes!

Get started now!