Alabama Car Insurance Quotes

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If you’re an Alabama driver, chances are you’ve heard the news that the state has enacted a brand new Mandatory Liability Insurance Law. This law now requires all registered vehicles to also carry an automotive insurance policy.

Liability insurance is mandatory, in order to cover any possible damages that are sustained by another person’s vehicle as a result of your driving. There are certain minimum requirements that must be met. If you cause bodily harm or death to another driver, you must pay $25,000 per person, $50,000 per accident and an additional $25,000 for any property damage.

This insurance, however, does not cover damages to your car or any injuries suffered by you. The majority of car insurance companies in Alabama do offer coverage options to help you deal with the aftermath of a serious accident. Collision insurance is available to assist you in paying for damages to your vehicle.

For damages to your vehicle that happen due to factors out of your control, there is a comprehensive policy option. Funeral and medical insurance provides funds to cover the cost of a funeral and your resulting medical bills. An uninsured motorist policy is also available to protect you from the costs associated with damages caused by a driver who does not have insurance.

Failure to adhere to these rules carries stiff penalties in Alabama. Driving without insurance comes with a $500 fine for the first offense, a $1,000 fine for the second, in addition to a potential loss of license for 6 months and the suspension of your car’s registration. To reinstate your car’s registration, there is a $200 fee on the first violation and a $400 fee for the second violation and all subsequent violations.

You will also need to file an SR22, which proves to the state that you plan to fulfill your minimum automotive insurance requirements. It is important to remember that an insurance company is able to deny coverage to any drivers that they deem high risk. If you cannot find a company willing to insure you, the Alabama Auto Insurance Plan is available to you.

This plan allows Alabama’s automotive insurance associations to help take on the inherent risks that come with drivers who are deemed high risk. When it comes time to decide on your insurance premium, companies consider a number of factors.

Your gender, driving history, age, credit scores, the model and make of your vehicle, and the deductible you’re able to pay are all factored in. The higher deductible you pay, the less you spend on a premium.

There are certain discounts available for those who have a clean driving record, achieve high marks in school, own more than one vehicle, or own their own home, so don’t be afraid to inquire. The easiest way to ensure a low automotive insurance rate? Safe driving and obedience of all traffic ordinances.