Alabama Car Insurance
If you are shopping for auto insurance in the state of Alabama, you have to know what is required by law.
Insurance premiums nationwide, as well as in Alabama, have changed over the last few years.
In 2009, Alabama insurance rates were, on average, 3% lower than the previous year.
This means now is an excellent time to reevaluate your policy.
In 2009, the average premium for Alabama residents was $1,400 while the national average was around $1,700.
However, Alabama does not have a fixed rate for insurance, and individual premiums will vary according to each individual driver and vehicle.
Alabama uses a Tort system.
This means someone will always be found at fault for an accident, and their insurance company is responsible for the costs of repairs.
The first thing you must do is establish financial responsibility to register or operate a vehicle in Alabama.
There are three ways to do this in your state.
The easiest way to do this is by purchasing liability coverage from a carrier authorized to insure for the state of Alabama.
However, you may also obtain a Motor Vehicle Liability Bond or Certificate of Cash Bond to meet this requirement.
If you choose to obtain liability coverage, your policy must include $25,000 injury liability for one person, $50,000 for all injuries in one accident, and $25,000 for property damage.
This coverage meets the state's requirements for the legal operation of a motor vehicle.
Alabama law requires you to keep proof of financial responsibility on you at all times while operating a vehicle.
There are other types of coverage available for further protection, but you are free to decline any of those.
For example, you can get uninsured/under-insured motorist coverage.
However, this type of coverage is not required in the state of Alabama, so you may choose to carry it or decline it.
Now that you know the state's requirements, you are free to explore your additional options.
Comparison quote sites are an excellent place to start.
Besides offering side-by-side quotes from a variety of providers, these sites also help define some of the complicated insurance jargon.
You cannot over shop when it comes to car insurance.
I recommend checking prices online and then calling around locally for current rates.
Keep in mind that many companies offer a wide array of discounts on policies for everything from anti-theft devices to payment method.
Be sure to request any discounts that you may be eligible for, and good luck!
Insurance premiums nationwide, as well as in Alabama, have changed over the last few years.
In 2009, Alabama insurance rates were, on average, 3% lower than the previous year.
This means now is an excellent time to reevaluate your policy.
In 2009, the average premium for Alabama residents was $1,400 while the national average was around $1,700.
However, Alabama does not have a fixed rate for insurance, and individual premiums will vary according to each individual driver and vehicle.
Alabama uses a Tort system.
This means someone will always be found at fault for an accident, and their insurance company is responsible for the costs of repairs.
The first thing you must do is establish financial responsibility to register or operate a vehicle in Alabama.
There are three ways to do this in your state.
The easiest way to do this is by purchasing liability coverage from a carrier authorized to insure for the state of Alabama.
However, you may also obtain a Motor Vehicle Liability Bond or Certificate of Cash Bond to meet this requirement.
If you choose to obtain liability coverage, your policy must include $25,000 injury liability for one person, $50,000 for all injuries in one accident, and $25,000 for property damage.
This coverage meets the state's requirements for the legal operation of a motor vehicle.
Alabama law requires you to keep proof of financial responsibility on you at all times while operating a vehicle.
There are other types of coverage available for further protection, but you are free to decline any of those.
For example, you can get uninsured/under-insured motorist coverage.
However, this type of coverage is not required in the state of Alabama, so you may choose to carry it or decline it.
Now that you know the state's requirements, you are free to explore your additional options.
Comparison quote sites are an excellent place to start.
Besides offering side-by-side quotes from a variety of providers, these sites also help define some of the complicated insurance jargon.
You cannot over shop when it comes to car insurance.
I recommend checking prices online and then calling around locally for current rates.
Keep in mind that many companies offer a wide array of discounts on policies for everything from anti-theft devices to payment method.
Be sure to request any discounts that you may be eligible for, and good luck!
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