Alabama Auto Insurance

Alabama Auto Insurance

Alabama Auto Insurance Quotes

Read all about the ins and outs of Alabama auto insurance. From Mobile and Birmingham to Auburn and Huntsville, If you live and drive in Alabama, then you need auto insurance.  You must also provide proof of motor vehicle liability insurance that must be carried in the vehicle. You can even get a ticket for not having proof of motor vehicle liability insurance.

Fortunately, there are many Alabama auto insurance agents who will give you a free Alabama auto insurance quote.  Although you can easily find car insurance agents in the bigger cities, you will find that you can shop on line for a cheap car insurance quote online such as on our site.

Alabama Auto Insurance Minimum Coverage
Alabama has legal vehicle liability insurance requirements.  They include minimum coverage requirements of $25,000 bodily injury; $25,000 property damage; and $50,000 per accident. It is illegal to drive Alabama if you do not meet these minimum insurance requirements. Do not permit an insurance agent or insurance broker to sell you coverage below these minimums.  You will not meet the legal vehicle liability insurance requirements.

Alabama Auto Insurance and DUI Laws
Alabama DUI laws are quite strict.  You are considered to be driving under the influence if your blood alcohol level is 0.08% or higher.  There are huge legal risks associated with drinking and driving.  On your first offense, there is an automatic license suspension or revocation for 90 days.  You will pay fines from $600 to $2,100.  A second offense leads to a mandatory jail sentence in addition to another fine plus one year license suspension.  DUI conviction and reckless operation can lead to Alabama SR-22 requirements.

Alabama SR-22 Insurance
When you have had a DUI, bad driving history or drivers license revocation, you may be required to carry Alabama SR-22 insurance to get your license back. This document, required by the state, is proof a liability insurance that you have the minimum insurance requirements. Many times, an SR-22 is needed to have driving privileges reinstated after an uninsured accident, DUI, or a related offense.   Contact your car insurance company for the most recent Alabama SR-22 requirements.

Teen Driving in Alabama
There are certain different requirements that teen drivers should know about.  Alabama’s minimum driving age is 16. However, at the age of 15 a driver has the right to obtain a Restricted Learner’s License.

Those under the age of 18 are not allowed to operate a motor vehicle between the hours of midnight and 6 am, unless accompanied by a parent or guardian. Also, Alabama teens cannot have more than four passengers in a vehicle at one time.

Because of driving inexperience, teens present more insurance risk and thus insurance rates for insurance companies.  It is best to maintain a good driving record and also maintain financial responsibility through car insurance throughout these earlier driving years.

Alabama Car Insurance Quotes by City
There are two factors to consider with car insurance in large Alabama cities and small Alabama cities.  The biggest cities in Alabama include: Auburn, Birmingham, Decatur, Dothan, Gadsden, Hoover, Huntsville, Mobile, Montgomery, and Tuscaloosa. You may find cheap car insurance quotes for vehicle insurance here because of insurance companies’ competition.  However, your car insurance quote may actually be higher for other reasons.

Even if you cannot easily find an Alabama auto insurance agent or broker in smaller cities like Madison, Alabaster, Calera and Helena, you can still shop for Alabama auto insurance quotes online.  Additionally, your auto insurance rates may be less even though there is less auto insurance company competition.  Statistically, most small cities have less auto theft, auto accidents and thus auto insurance risk.  As such, the required return and thus, auto insurance premiums are less.

Alabama Auto Insurance Discounts

When shopping for cheap auto insurance, write down the type of auto insurance requirements, insurance and deductible amounts that you need.  Make sure that you clearly decide if you need comprehensive, collision, or simple liability insurance.  Make sure the type of vehicle insurance and insurance amounts meet or exceed Alabama state car insurance requirements.  You can find out this information over the phone or by shopping online.

Also, check your driving history with your insurance agent.  Make sure they have your accurate driving history and correct their driving history record if it is not right.  You could pay cheaper car insurance if they have a poor driving history on you or.  Remember to be truthful as they can deny coverage if you are not 100% truthful and have an actual poor driving history.

Ask for all applicable auto insurance discounts.  Good student discount, group rate discount, good driver discount, etc.  Specifically, Alabama auto insurance discounts are awarded for safe driving, receiving good grades, successful completion of a safe driving course and have advanced safety equipment installed.

There are other available discounts.  Ask your insurance agent for good student discounts.  Also, group other members of your family with the same company.  Also, try to insure all of your assets, such as your RV or home with your current insurer.

Use these basics to purchase cheap Alabama auto insurance.  You can easily search a competitive Alabama auto insurance quote online here at this site.

Alabama Auto Insurance Quotes

1. Enter your zip code in the form located at either the top or bottom of this page. Get a local quote from Geico, Progressive, Allstate, State Farm or Nationwide.

2. Review the company (or companies) that are best suited to your wants and needs. Compare as many as you want for the best offer.

3. Fill out the information request form for the chosen company. It may take a few seconds to see the results, but this will help you to get the best value.

4. Receive your Alabama car insurance quote.

5. Buy online or contact the provider if you have more questions. When the time is right and you have made a decision, you are ready to move forward and buy the right policy. This is when the research you put in finally pays off.

Tip: Some of the most common searches include Birmingham auto insurance quotes, Montgomery auto insurance quotes, Mobile auto insurance quotes, Huntsville auto insurance quotes, and Tuscaloosa auto insurance quotes.

By following these tips, you will receive plenty of quotes and top quality information. You will make a better informed decision when choosing among Alabama auto insurance quotes.