Recommended Alabama Auto Insurance Coverage for Consumers

Recommended Alabama auto insurance coverage is not the same as the minimum protection required under state law. All vehicles registered in the state must have at least the following level of liability coverage in place:

• $25,000 in property damage liability coverage to pay for repairs to the other driver’s vehicle, as well as the cost to repair or replace public property such as fences, guard rails, buildings, sheds, mail boxes and sign posts
• $25,000 in bodily injury liability protection to pay for personal injury claims made by one person injured in an at-fault accident
• $50,000 in bodily injury liability insurance to pay for medical bills, rehabilitation expenses and economic losses incurred by two or more accident victims

These minimum requirements for third party liability insurance are relatively low, and the level of damages caused in a serious accident can easily meet or exceed them. The recommended level of auto insurance coverage for Alabama drivers is higher than the minimum amount required by law and is as follows:

• $100,000 in property damage liability coverage
• $100,000 in bodily injury liability protection to compensate a single accident victim
• $300,000 in bodily injury liability insurance to pay for all injuries and damages resulting from the same accident

A policy with these coverage limits means it is less likely that the driver will be responsible for paying for damages following an at-fault motor vehicle accident personally.

How to Get Low Auto Insurance Rates in Alabama

No one wants to pay more than they have to for coverage, and consumers who want to get low auto insurance rates in Alabama should be prepared to consider several providers before making a buying decision. Each company licensed to sell policies in the state operates independently, which means that prices for the same type and level of protection can vary significantly.

A customer who wants to insure a new car or who has a policy which will be up for renewal shortly should make a point of getting quotes from several companies. Going online is a quick and effective way to do so, since a number of providers offer quotes from their web sites. The advantage to the consumer is that searching for coverage can be done at any time of the day or night. The buyer does not have to wait until regular business hours to start the search and can take his or her time without feeling pressured to buy a policy before he or she is ready.

Going online may also be a more economical choice for auto insurance buyers, since a number of providers offer discounts to customers who purchase their policy electronically. A buyer can shop for and choose coverage, pay a deposit and receive a printable temporary insurance card without having to speak to a company representative directly. It’s the fastest and most convenient way to get coverage and the driver will likely qualify for low auto insurance rates in Alabama as well.