| u're having trouble paying for your auto insurance | | | | your "driving" needs and you can reduce your |
| and you don't want to risk driving without | | | | actual driving to less than 500 miles per month |
| insurance, then you will be thrilled to learn that the | | | | you may qualify for a rather substantial Low |
| state of Alabama offers a cheap high risk auto | | | | Mileage Discount? |
| insurance policy to all of its drivers. | | | | Did you know that joining a carpool at work could |
| This low-cost policy is known as a 20/40/10 basic | | | | save you a ton of money on your car insurance? |
| liability policy. This is the cheapest car insurance | | | | Cutting your rush hour drive time in half through |
| which is legal in the state of Alabama. | | | | carpooling should save you a bundle. Increasing |
| A 20/40/10 liability policy pays a maximum of | | | | your deductible will also save you a ton of cash |
| $20,000 in medical bills to any one individual who is | | | | each month. But be careful that you don't agree |
| hurt in an accident with your vehicle and it pays a | | | | to pay a larger deductible than you can actually |
| maximum of $40,000 for the medical expenses | | | | afford. |
| of everyone involved in an accident with your | | | | And if you really want to save the most money |
| vehicle. It also pays $10,000 in property damages, | | | | possible on it then consider purchasing Alabama's |
| which typically pays for the repair of the other | | | | basic liability auto insurance. This is the least |
| person's vehicle. | | | | possible insurance that you can buy and still drive |
| A basic liability policy doesn't pay even one penny | | | | legally in Alabama. |
| toward the repair of your vehicle and it pays | | | | Alabama's basic liability policy is known as a 20/40 |
| absolutely nothing for your medical bills or for the | | | | 10 policy. This means the policy will pay a |
| medical bills of anyone riding in your vehicle at the | | | | maximum of $20,000 in medical expenses to any |
| time of an accident. | | | | one individual who is involved in an accident with |
| You also need to be aware that there is | | | | your vehicle. It will pay a maximum of $40,000 in |
| absolutely no guarantee that the medical | | | | medical expenses for everyone involved in an |
| expenses and/or property damages resulting | | | | accident with your vehicle, regardless of how |
| from an accident won't exceed the maximum | | | | many people are involved or what their injuries |
| payout of your insurance. If that should happen | | | | are. And it will pay a maximum of $10,000 for |
| you could be held personally responsible for any | | | | property damage. Property damage usually |
| shortfall. You could be forced to spend your | | | | covers the repair of the other person's car, but it |
| savings and you could even be forced to sell your | | | | can include other damages as well. |
| home to pay for medical bills or property damage | | | | A liability policy will pay nothing toward repairing |
| that your insurance won't pay for. | | | | your car nor will it pay anything for your medical |
| Still, if you are strapped for cash you may have | | | | expenses or for the medical expenses of anyone |
| no choice but to buy a minimum liability policy. The | | | | in your car at the time of an accident. |
| cheapest place to buy your high risk auto | | | | What makes these affordable policies high risk is |
| insurance is online. And if you are really serious | | | | that they may not cover all of the medical |
| about finding the lowest price for your insurance | | | | expenses or the property damage caused by |
| then you will want to run your price comparisons | | | | your vehicle during an accident. If medical bills or |
| on multiple price comparison websites so you will | | | | property damage exceeds the maximum payouts |
| have more prices to choose from. | | | | of the policy you could be forced to make up the |
| Then simply choose the lowest price you find and | | | | difference out of your own purse or pocket. This |
| you can consider yourself a pro when it comes to | | | | could result in the depletion of your life savings or |
| finding cheap high risk auto insurance in Alabama | | | | even in the forced sale of your home. |
| and saving tons of money every single month. | | | | Purchasing your auto insurance online will save you |
| If you live in Alabama it is much more of a risk to | | | | a bundle over buying it from a flesh and blood |
| drive without auto insurance than it is to buy an | | | | agent. Of course, if you are really serious about |
| affordable high risk auto insurance policy, and | | | | finding the very best price possible for your |
| fortunately there are several things that almost | | | | insurance then you'll want to compare prices on |
| any driver can do to lower his or her cost of it, | | | | more than just one of the many price |
| sometimes considerably. Keeping your car safely | | | | comparison websites on the net. |
| locked in a garage at night rather than leaving it | | | | As soon as you've compared a policy on a |
| on a street will save you money. | | | | sufficient number of sites then comes the fun |
| Paying your monthly premium automatically out of | | | | part - choosing the lowest price you've found and |
| your bank account will also save you money. | | | | declaring yourself an expert when it comes to |
| Driving less will save you money. Did you know | | | | finding this in the entire state of Alabama. |
| that if you use public transportation for most of | | | | |