Reader’s Question:

Hi, I am planning to change my auto car insurance company as we are moving from Illinois to Alabama. Will my previous auto car insurance policy still be honored in Montgomery? What are the major factors insurance companies consider when giving auto car insurance quotes?

Andrew

Springfield,IL

Your plan of changing insurance companies as you move to Alabama is a good idea as each state sets their own laws and statutes regarding motor vehicle requirements. With that, there is really a need to obtain a new auto car insurance policy to meet the requirements of the new state. You are lucky if the insurance company you are currently enrolled in does business as well in Alabama. Then you can contact them and ask them if it is possible to just change your policy from your old state to your new state. Keep in mind, too, that you have thirty days to register and acquire plates and obtain a local sticker. You also need to acquire a new insurance policy in Alabama within 30 days or less upon moving there.

For your other question, these are some of the factors that most insurance companies take into account when giving auto car insurance quotes:

• General Information includes address and contact information, including e-mail address.
• Vehicle Information includes make and model, annual mileage and ownership.
• Driver Information such as age, education and occupation for each driver in the household.
• Incidents which includes accidents, violations and auto car insurance claims in the last 5 years.
• Coverage includes name of current auto car insurance company, policy dates and amount of coverage you wish to purchase.

The Alabama auto car insurance minimum coverage requirement is $20,000 for bodily injury/death of one person, $40,000 per accident, and $10,000 for property damage per accident.

Good luck!