1. **Check Alabama’s Minimum Insurance Requirements**
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
2. **Decide on Additional Coverage**
- **Collision** (covers damage to your car in an accident)
- **Comprehensive** (covers theft, fire, vandalism, and natural disasters)
- **Uninsured/Underinsured Motorist** (protects if the at-fault driver has no insurance)
3. **Research Insurance Companies**
- Find reputable insurers in Mountain Brook.
- Compare reviews, claim response times, and customer satisfaction.
- Get quotes from multiple providers.
4. **Gather Required Documents**
- Driver’s license
- Vehicle information (make, model, year, VIN)
- Driving history (accidents, tickets, claims)
- Current insurance policy (if switching)
5. **Compare Insurance Quotes**
- Review premiums, deductibles, and policy limits.
- Check for discounts (safe driver, multi-car, bundling with home insurance).
6. **Select a Policy and Apply**
- Choose the best coverage for your needs and budget.
- Complete the application and submit required documents.
- Some insurers may require a vehicle inspection.
7. **Make Your First Payment**
- Pay the premium (monthly, quarterly, or annually).
- Receive proof of insurance (ID card or digital copy).
- Keep proof of insurance in your vehicle.
8. **Maintain and Update Your Policy**
- Review your coverage annually for better rates.
- Inform your insurer of any changes (new vehicle, additional drivers).
- Keep a clean driving record to qualify for lower rates.
