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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
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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)
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Research Insurance Companies
- Find reputable insurers in Opelika.
- Compare reviews, claim response times, and customer satisfaction.
- Get quotes from multiple providers.
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Gather Required Documents
- Driver’s license
- Vehicle information (make, model, year, VIN)
- Driving history (accidents, tickets, claims)
- Current insurance policy (if switching)
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Compare Insurance Quotes
- Review premiums, deductibles, and policy limits.
- Check for discounts (safe driver, multi-car, bundling with home insurance).
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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.
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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.
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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.
