Buying Alabama Car Insurance

Alabama flag shaped as the stateBeing a safe driver is important when traveling across Alabama because accidents are not only dangerous, they can also be financially devastating. In 2009, the state's residents drove a total of more than 60 billion miles, leaving plenty of opportunity for crashes to occur. Being prepared by purchasing and maintaining an auto policy is not only important, it is also required to legally drive in the Yellowhammer State. Buying a plan can be simple if residents take the time to research their options and to make a thorough comparison. To find a wide range of policy estimates, residents can go online and complete a quote comparison, which are designed to amass dozens of sample rates in only a matter of minutes.

Compare Quotes and Buy AL Auto Insurance

Zip Code:
currently insured:yesno

In 2009, the AL Department of Transportation says there were 123,731 reported crashes, which resulted in nearly 36,000 injuries and 848 deaths. Based on this data, the average motorist in the Yellowhammer State has a 48.6 percent chance of being involved in a car accident while driving during his or her life span, according to the department. One of the best ways of avoiding many of the costs associated with a car crash is to purchase a financial protection plan with an adequate amount of coverage. The state legislature has established laws that set minimums for plans issued in the state.

Weighing Coverage Options

Before buying Alabama auto insurance residents should become acquainted with the state's minimum requirements and determine whether they should exceed them. Vehicle owners in the Yellowhammer State are required to carry 25/50/25 liability protection in order to pay for damages they are responsible for. This means a minimum policy must provide for at least up to:
  • $25,000 per person for bodily injury damages caused by the policyholder
  • $50,000 total per accident for bodily injury damages caused by the policyholder
  • $25,000 total per accident for property damages caused by the policyholder
Drivers are urged to consider increasing their liability limits to become better prepared for more severe accidents and to include policy additions like comprehensive and collision coverage that could pay for damages not covered under minimum policies. Comp and collision cover damages to the policyholder's auto. The average combined cost of these two protections for Alabamians has been estimated by the National Association of Insurance Commissioners to be about $444, but individual prices will vary. Some financing companies require drivers to purchase these coverages.

To get protected against the cost of bodily injury damages suffered by the policyholder him or herself, it is necessary to purchase medical payments and/or uninsured/underinsured coverages. These are relatively affordable car insurance types that cover the policyholder's medical expenses. Uninsured/underinsured only kicks in if the at-fault driver did not have a policy or had low liability limits.

Shop Around

Alabama stateComparing quotes from a variety of insurers is an essential part of shopping for coverage. According to an auto insurance comparison generated by state regulators, prices for the same six-month policy for a hypothetical 30-year-old male resident of Birmingham ranged from as low as $274 to as high as $862, depending on the company.

It's usually faster to complete price research online, where dozens of quotes can be gathered in minutes. This allows Alabama residents to see the premium prices of many different policies and then purchase one that is not only affordable but also provides a sufficient amount of protection.