Alabama Auto Insurance
Shopping for Alabama auto insurance is made easier with the help of OnlineAutoInsurance.com. Through our network, you can get multiple automobile coverage quotes by completing one single form.
| Alabama car insurance requirements mandate that drivers insure their vehicles with liability coverage in at least the following amounts: |
| Bodily Injury Liability Coverage Per Person: $25,000 |
| Bodily Injury Liability Coverage Per Accident: $50,000 |
| Property Damage Liability Coverage Per Accident: $25,000 |
| (Abbreviated as 25/50/25) |
Factors such as age, gender, marital status, garaging address, and violation and accident history are used to categorize each driver's risk and to determine premiums.
Vehicle use is an important factor in determining rates and even eligibility for coverage. Some carriers will not accept an automobile being used for commercial purposes. Generally, consumers will need a commercial policy for that kind of use.
Discounts are also available and can be awarded to those who have not been involved in an accident within a certain amount of time and have paid their premiums when due.
Some discounts in Alabama include:
- Multiple vehicle discount – Policyholders with more than one vehicle on a policy may get a discount.
- Driver education courses – Showing a certificate for a completed driver course can possibly result in discounts.
- Good student – Some carriers will provide discounts for students with a 3.0 GPA or higher.
- Vehicle features – Having airbags, antilock brakes, anti-theft devices such as LoJack or homing devices can lead to discounts.
- Low mileage – If drivers' places of work are close to home, or if their vehicle is used stricly for pleasure purposes, they may be eligible low mileage discounts.
- Renewals – Renewing a policy after 12 months usually generates a renewal discount as a way to reward policyholders.
Rates vary from driver to driver and vehicle to vehicle; however, it's important to know how to efficiently compare rates from multiple carriers before deciding to buy AL car insurance so that the most competitive rates. Although a driver may have a single coverage request, companies can vary in price by more than 300 percent.
Comparing quotes is even encouraged by the Alabama Department of Insurance.
Among the best and fastest ways to compare AL auto insurance quotations is through OnlineAutoInsurance.com. Our goal is to supply consumers with one simple form that allows them to get sample premiums from multiple companies. In some states, shoppers can even buy policies online.
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