Alabama Auto Insurance Quotes

Alabama Auto Insurance Quotes are easily found online, and with this comes the difficulty of determining which insurance is good. Follow some of the tips below for the best insurance available in Alabama.

Minimum Requirements and Penalties

The state of Alabama requires a minimum amount of car insurance coverage for drivers. This means that one must be insured for $25,000 each for property damage and per person bodily injury liability coverages, and $50,000 per accident. These fees are no joke, either, as drivers who fail to meet the requirements are subject to a $100 reinstatement fee for a first offense, with subsequent offenders having to pay $200 and serve a registration suspension term of four months!

Under-insured Motorist Coverage

These coverages amount to state average auto insurance premiums a small bit lower than national averages, but unlike many other states, Alabama does not require drivers carry uninsured or under-insured motorist insurance to cover collisions with drivers who have only minimal or less insurance. This means that your insurance may be liable for damages that the other driver’s insurance won’t cover, so it may be prudent to purchase this insurance in Alabama.

Suspensions?

If you have had your license suspended in Alabama you will have to submit an SR22 form from your insurance company guaranteeing you have up-to-date insurance with the minimum liability coverages. This form may also be necessary for certain offenses or moving violations.

Tort State

Alabama is a “tort state” in which the driver found to be at fault for the accident must pay for medical expenses incurred by any victim of the accident. This means that you do not have to purchase Personal Injury Protection (PIP) coverage.