Guide to Alabama Auto Insurance
Many people become confused and frustrated when trying to purchase an insurance policy, but this guide can help make the whole process much simpler and give you the capabilities to confidently purchase the best policy for you.
Request a quote for an Alabama auto insurance policy today!
Alabama requirements
Each state has minimum requirements, which your insurance policy must contain. Because each state is different, you need to make sure that you are fully aware of what your state requires. In Alabama, you must carry at least liability coverage, have a motor vehicle liability bond, or cash in the amount of $50,000. If you are covering your vehicle with an auto policy, your plan must contain the following liability amounts, at the very minimum:
- $25,000 for bodily injury per injured person
- $50,000 for total bodily injury per accident
- $25,000 for property damage
Do not be caught off guard
Just because something is not required by law does not mean that you should not purchase it. There are times when your state minimum may not cover all of the costs, and you could be left to foot the bill. If you will not be able to afford this, you may want to consider increasing your minimums to get more coverage. You may also want to consider comprehensive, collision, and underinsured motorist protection.
- Comprehensive will cover things like a cracked windshield, theft, and vandalism.
- Collision will cover your car up to its assessed value if you are in an accident with other vehicles.
- Underinsured motorist coverage will protect you from getting into an accident with someone who does not have enough coverage to pay for all of your damages.
There are many different types of auto insurance available in Alabama. You will want to start by requesting a quote here.