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Alabama Auto Insurance

Given the competitive market for auto insurance, InsuranceStep.com understands the difficulty of finding the right Alabama auto insurance to suit your needs.

Our goal is to make your shopping experience easier. By entering your information in our quote box, we will provide you with up to five free quotes on Alabama auto insurance in your area.

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Hitting the Road with Alabama Auto Insurance

Can I drive my car without Alabama auto insurance?

No. The state of Alabama requires all motorists to carry liability insurance in the following forms:

Bodily Injury Liability - protects you against claims stemming from an accident where other motorists were injured. Bodily injury insurance will protect you from damages such as medical expenses, lost wages, and pain and suffering of other motorists.

Property Damage Liability - pays for damage you cause to the property of others.

Both bodily injury and property damage also cover damages if the accident was caused by a family member driving your automobile with your consent.

If you are caught driving without Alabama auto insurance, your first offense will result in a $500 fine and suspension of your driver's license. Needless to say, penalties escalate for offenses thereafter.

What amount of Alabama auto insurance should I purchase?

The minimum requirements for Alabama auto insurance are as follows:

$25,000 total for bodily injury coverage per person

$50,000 total for bodily injury coverage per accident

$25,000 total for property damage

Keep in mind that these are the minimum requirements. In the event of an accident, an injured person may sue you for more than your Alabama auto insurance covers. Furthermore, these amounts will not cover damage caused to your car, nor any damage or injury incurred by an uninsured motorist.

What factors determine the premium for my Alabama auto insurance?

The premium for your Alabama auto insurance may be determined by the following factors:

Driving Record - if you have blemishes on your record such as accidents or traffic violations, your premium will be more expensive than those without such incidents.

Gender and Age - young men are still more likely than young women to have an auto accident. Therefore, young men may be charged a higher premium than young women.

Geographic Location - metropolitan areas see higher incidents of theft and collision, so if you live or work in the city you my face higher premiums on Alabama auto insurance.

Vehicle Use - the more you drive your car, the greater the risk of an automobile accident. If you are a "road warrior," be advised you could pay for it.

Is there anything I can do to lower the premium for my Alabama auto insurance?

Discounts are the largest source of savings when it comes to reducing the premium for Alabama auto insurance. Make sure you ask your Alabama auto insurance agent if they offer discounts for:

Insuring multiple automobiles

Driver's education courses

Buying an automobile with safety and anti-theft devices

Low mileage

Clean driving record

While the majority of Alabama auto insurance companies offer these discounts, the discount price may differ from company to company. Be sure to compare discount prices before purchasing your Alabama auto insurance to save as much money as possible.

Get Your Alabama Auto Insurance Policy Today!

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