Cheap Auto Insurance Quotes in Alabama - AL

The facts of life on the road make purchasing the right Alabama car insurance a vital decision for all Alabama motorists. Leaving aside the fact that it is illegal to drive without auto insurance, the statistic on motor vehicle collisions make purchasing car insurance the smart thing to do. How to find the Affordable Car Insurance

According to reports filed by the Alabama Department of Transportation, there is an auto accident every four and a quarter minutes and the average motorists face a 50% chance of being injured in a car accident at least once in their life. snjauto.blogspot.com helps to ensure drivers get the best car insurance.

Alabama Car Insurance Requirements

Alabama uses an at fault car insurance system based on tort law, meaning that, in each accident, one of the parties must be found to be at-fault. The party at fault, along with their car insurance company will then be financially responsible for all damages resulting from the accident. The state has set minimum car insurance requirements for each motorist to carry, but depending on each driver’s personal situation, these requirements may or may not satisfy actual coverage and protection needs. Virginia Car Insurance | Cheapest Auto Insurance in Virginia

It is possible to customize an auto insurance policy to ensure that drivers are covered for their individual needs and circumstances. My Car Insurance Rates is an industry leader in determining and delivering the car insurance coverage that drivers both want and need at the best, affordable rates.

Understanding Alabama Car Insurance Liabilities & Coverage

Alabama requires all drivers to carry, at the least, a minimum liability car insurance policy. While this minimum is the legal requirement, more coverage is highly recommended for all motorists to protect themselves in the event they are involved in an accident. Las Vegas Car Insurance Car Insurance Coverage

Alabama’s minimum state limits, referred to as 25/50/25 coverage, require bodily injury liability at a minimum of $25,000 per person, up to $50,000 total per accident, including medical expenses, and property damage liability with a minimum limit of $25,000 coverage, including public and private property repairs and claims. Motorists in Alabama may also elect to carry uninsured/underinsured motorist coverage to protect themselves from drivers who do not have insurance or do not have adequate insurance.

Alabama Insurance Coverage

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Liability: $25,000 Limit
• New limit requirement effective: August 30, 2008
• Alabama Car Insurance Laws & Regulations

Alabama has a liberal proof of insurance requirement to help residents get out on the road. Affordable Auto Insurance In Missouri, If a driver in Alabama does not have a car insurance card, a paid insurance premium receipt is accepted as proof. If a motorist cannot provide proof of insurance when required, Alabama will suspend their license until they provide proof and pay an additional $100 registration fee/fine.

Failing to maintain active car insurance is more serious and can result in a $500 fine and a 3 month suspension of the driver’s license, registration and plates for the first offense with successively higher penalties for subsequent violations up to and including a complete revocation of driving privileges.

Average Alabama Car Insurance Rates

Alabama residents paid an average premium of $1,239 in 2010 compared to the national average of $1,538. This average premium for Alabama drivers was 13% lower than in 2009 and 18% lower than in 2008. Far from being fixed or static, car insurance rates change quite a bit and smart drivers shop for the best car insurance quotes they can get for the coverage they need. Affordable Car Insurance Quotes in United States

With the overall trend in car insurance rates in Alabama being lower and more affordable, now is the perfect time to get and compare cheaper car insurance quotes from snjauto.blogspot.com and start saving money on your car insurance premiums. We provide the best car insurance from many of the top auto insurance companies in the U.S.