Need Alabama Auto Insurance Quotes?

Purchasing auto insurance in Alabama is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of auto insurance that you choose to purchase. Regulations regarding auto insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Alabama auto insurance.

The state of Alabama has a number of requirements and regulations that deal with car insurance policies. The state requires you to have liability insurance before you can operate a vehicle. Both property damage coverage and bodily injury coverage should be included as a part of insurance policy. The Alabama state liability insurance minimum is $20,000 coverage for bodily injury for any one person, $40,000 coverage for bodily injury for all persons injured and $10,000 coverage for property damage.

Alabama state law states that proof of insurance (insurance policy card, for example) should be kept in a vehicle at all times. The law also requires the proof of insurance to be presented at the time of registration and at the time of an accident. The penalty for driving without insurance in Alabama is a $500 fine and suspension of the driverís license.

State of Alabama is only one of the few states where at this time insurance companies are not required to verify the driverís insurance coverage. According to the National Association of Insurance Commissioners, the average expense on Alabama car insurance in 2003 was $656.42, making it one of the cheapest in the nation (40th rank). The average liability insurance expense in Alabama is $354.34 and the average collision insurance expense is $305.85.

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