Considering today's competitive market for car insurance, finding affordable Alabama car insurance can be difficult.
InsureMe can help. By streamlining the shopping process, we have made it possible to receive up to five free quotes on Alabama car insurance from agents in your area.
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Is Alabama car insurance required?
The State of Alabama requires all motorists to have liability coverage. If you are caught driving without Alabama car insurance, your first offense will result in a $500 fine and the suspension of your driver's license; penalties escalate with each additional offense.
How much Alabama car insurance should I buy?
The minimum amounts for liability insurance are as follows:
Remember that these are the minimum requirements set by the state of Alabama. These amounts may not cover damages from lawsuits arising from an accident, nor do they cover any damage caused to your car.
If someone else is driving my car and as an accident, will my Alabama car insurance cover the damages?
Your Alabama car insurance will cover both bodily injury and property damage if an accident is caused by a family member driving the car — with your consent.
How will an agent determine the premium for my Alabama car insurance?
An Alabama car insurance agent will look at a variety of factors when determining your premium, some of which might include:
Driving Record — if you have had significant marks on your driving record in the last three to five years such as car accidents or traffic violations, you are likely to face a higher premium.
Location — urban areas see a higher incidence of accident and theft. Therefore, if you live or work in a metropolitan area, you may pay a higher premium than drivers in rural areas.
Marital Status — statistics find that married couples are involved in fewer accidents than single individuals.
Gender and Age — similar to marital status, statistics show that young men are more likely to have an accident than young women, thus, young men may pay higher premiums than their female counterparts.
Use of Vehicle — the more you drive your car, the greater your risk for accident. Road warriors beware!
How can I lower the premium on my Alabama car insurance?
For many, discounts provide relief from high premiums on Alabama car insurance. You will want to ask your Alabama car insurance agent or company for discounts on the following:
Remember that discount amounts may differ between Alabama car insurance companies, so be sure to ask about the discount amount before purchasing a policy. Also keep in mind that not all Alabama car insurance agents will offer these discounts up front so be sure to ask for them.
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