Auto Insurance Tips for Alabama Drivers

Alabama law mandates that drivers carry minimum levels of car insurance to operate a vehicle legally. These requirements help ensure that drivers can cover the costs associated with injuries or property damage resulting from car accidents they may cause.

Specifically, Alabama drivers must have the following:

• Bodily injury liability may help cover costs related to injuries to other people in an accident you’re found responsible for, up to the policy’s limits.
• Property damage liability may help cover damages to third-party property resulting from an accident you cause, up to the policy’s limits.

The exact amounts for these coverages are set by state law and are subject to change. Auto insurance must be maintained to avoid legal penalties, including fines and possible driver’s license suspension.

How to Get an Auto Insurance Quote

Obtaining a quote that reflects your needs and budget is essential when looking for auto insurance. Auto insurance companies in Alabama offer various coverage options, and premiums can vary based on several factors, including your driving history, the type of car you drive and even where you live.

It’s essential to compare quotes from multiple auto insurance companies to find the right coverage. Your agent can help you get started.

Gather necessary information, including your vehicle’s make and model, driving history, and specific coverage needs. Look at offers from different auto insurance companies to compare coverage options and costs. Ask your agent about discounts for safe driving records, multiple vehicles or security features on your car.

Why Minimum Coverage May Not Be Enough

While meeting Alabama’s minimum auto insurance requirements is crucial, it’s often just the starting point. Depending on your circumstances, additional coverage—such as comprehensive, collision or uninsured motorist coverage—provides a better safety net.

These coverages may help cover the costs of damages to your vehicle in situations not covered by basic liability insurance, such as natural disasters, at-fault accidents, theft, vandalism or accidents with uninsured drivers.

If you have a lease or finance your vehicle, your lienholder may require full coverage auto insurance.

Contact Us

Choosing the right auto insurance policy requires careful consideration of your needs, budget and the specific requirements set forth by Alabama law. The team at Stillman Insurance Group in Fairhope, Alabama, can guide you through obtaining an auto insurance quote that meets your needs and complies with state regulations.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.