Alabama Auto Insurance

Is it okay to drive my car if I am not insured with Alabama auto insurance?

No. The state of Alabama requires every motorist to carry the following forms of life insurance:

Bodily Injury Liability - Protects you against claims which result from accidents where other motorists sustain injuries. Example of damages which it protects you from are lost wages, pain and suffering of other motorists and medical expenses.

Property Damage Liability - Damages on others’ property which are caused by you will be paid by this insurance. It also covers damages which stem from an accident caused by a family member who drives your vehicle with your approval.

You will be fined $500 and your driver’s license will be suspended if you got caught driving without Alabama auto insurance for the first time. Penalties increase from then on if you got caught for this same offence again.

You are required to get at least:

-$25,000 total for bodily injury coverage per person

-$50,000 total for bodily injury coverage per accident

-$25,000 total for property damage

for Alabama auto insurance.

Those mentioned above are only minimum requirements and you may be sued for more than your Alabama auto insurance coverage. Besides, damage caused to your car and any damage or injury of an uninsured motorist are not covered.

Your premiums will be determined by the following factors:

Driving Record - A bad driving record will cause you to pay higher premiums.

Gender and Age - Young men will be charged higher premiums compared to young women due to higher rate of accidents of young men.

Geographic Location - There are more theft and collision happening in metropolitan areas, so be prepared to get higher premiums if you live in a city.

Vehicle Use - Driving your car more will cause your risk of accidents to increase and therefore be prepared to get higher premiums.

Ask for discounts if you want to lower your Alabama auto insurance premium such as discounts for:

-Low mileage

-Good driving record

-Installing safety and anti-theft devices

-Enrolling in driver’s education course

-Insuring multiple vehicles

Compare the discount prices before buying the insurance because they vary between each other.

Last but not least, get up to five free insurance quotes online by entering your information in our quote box. It is not easy to find the right auto insurance; therefore, we are here to help you simplify your auto insurance shopping experience. Insurance Centre Online helps you to shop easier for auto insurance.

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