Alabama Car Insurance - Find AL Auto Insurance Quotes

Located in the Southeastern area of the United States, Alabama is located just north of Florida and the Gulf of Mexico. Only one other state has more of its land mass attributed to inland waterways, meaning that there are plenty of rivers to visit in the state. It gets its name from a southern Indian tribe that resided in the central area of the state. Unofficially, the state is referred to as the Yellowhammer State, named after the state bird. It is also known as the "Heart of Dixie." The most populous city in the state is Birmingham, and the capital is Montgomery. The state flower is the Camellia, and the state tree is the Longleaf Pine. The economy of the state is heavily driven by education, technology, manufacturing, and mining, as well as the US Air Force and the US Army. The state has hot summers and mild winters, as well as a great deal of precipitation year round.

The Alabama Department of Transportation reports that there is an accident in the state every 255 seconds, and that drivers have almost a fifty percent chance of having an accident that results in injury at some point in their lifetime. With this in mind, it is important to ensure that you have valid Alabama car insurance. Not only will a good Alabama auto insurance company allow you to legally drive, it will protect your financial situation from falling into a state of disrepair as a result of a car collision. It doesn't matter if you are looking for a basic policy just to ensure that you are legal to drive, or if you are searching for a full-coverage policy that will protect you from the damages that you could inflict on your own property. Either way, you can find what you need right here. All the data that you need to find Alabama auto insurance can be found here, from what each of the providers has to offer to what the minimum requirements of the state of Alabama are.

Once you have decided what you need from an insurance policy, you can start looking at Alabama auto insurance quotes by choosing your location information at the bottom of this page. The results will display specific offers in your area, allowing you to find the best deal. The Alabama car insurance quotes are available for you to view at no cost, and they will not commit you to signing up for anything. You have the option of either saving the quotes for later viewing, or moving forward to sign up for a policy. If you have any questions, contact us at the toll-free number found on the bottom of the page and we will be happy to help you.

Everyone knows the feeling; the car insurance bill shows up in the mail and all you can do is groan, knowing a big chunk of your monthly budget is about to go out the window. There's no help for it though, the risks of driving without insurance are simply too great. AL requires that all motorists carry a minimum liability policy. This means that if you caused an accident your insurance will pay for medical and property damage expenses for the motorist whose car you hit. This includes your legal fees. The minimum state limits (motorists are always encouraged to carry more than the minimum) are twenty thousand dollars for injury liability to one person (if you are in a two car accident and the other car has only one passenger your insurance will pay the first twenty thousand dollars of his medical bills), forty thousand dollars for all injuries in an accident (so if the car that you hit had four people in it insurance would cover the first forty thousand dollars of their combined medical bills).

In addition, ten thousand dollars for property damage (insurance will pay for ten thousand dollars in repairs to stop signs, buildings and the other motorist's vehicle). The driver of the car that caused the accident is held responsible for any expenses incurred above and beyond those limits. All insurance companies also offer collision and comprehensive insurance to their drivers. Comprehensive insurance will pay for vehicle repair if you are the driver at fault in an accident as well as certain incidents that are ruled as no-fault by the authorities, such as striking a deer or going off the road in bad weather. While not required by the state comprehensive coverage may be required for any vehicle for which a lender still holds a lien.

Licensed drivers in AL are not required to carry PIP (personal injury protection; this is a requirement in states that implement a no-fault policy for each accident) or uninsured motorist insurance on their policy; however, uninsured/underinsured motorist insurance is strongly recommended. No-fault insurance means that regardless of the individual responsible for an accident each motorist's medical and property repair expenses are paid by their own insurance company, uninsured/underinsured motorist coverage means that if you are the victim of a hit and run or the driver who causes the accident does not carry sufficient coverage to pay your medical and repair expenses your own insurance company will pick up the balance. Further information about Alabama insurance policies can be obtained from the Alabama Department of Insurance in Montgomery.