With LowestQuotes.com’s rate finder tool, consumers can quickly and easily save up to 70% on their auto insurance rates in Alabama. No longer do you need to call up dozens of companies to try to figure out which company provides the best rates. Our tool was designed to simplify the auto insurance shopping process for millions of Alabama consumers who just don’t have the time or the resources to understand many relevant factors that insurance companies utilize to give you their quotes.
Your auto insurance rates in Alabama are based on a couple of very important factors. These include: where you live, your age, what you drive, how often you drive and the amount of insurance coverage you need.
Minimum Car Insurance Requirements for Alabama
In Alabama, you can actually choose NOT to have insurance. Yes, that is right you do not have to have the minimum liability insurance of 25/50/25, or $25,000 for one person being injured, $50,000 for all persons injured, and $25,000 in property damaged during the same accident. This option is extremely expensive, as to select this option you must purchase a motor vehicle liability bond in the amount of $50,000.
The other way is to deposit $50,000 in cash with the Alabama State Treasurer. Even if you think you have enough money to cover yourself if you are in an accident, the state of Alabama wants to be assured that you are going to pay for the damage you inflicted on another party with your vehicle.
Proving that you have car insurance in Alabama is not difficult. If you have your insurance paid up, just make sure that you keep some form of the proper information listed above in your car at all times. The fine for not having this is $100, and you must go to court to prove that you had the insurance in the first place. This can cost you more money as you have to take off of work to get this done.
Proof of Car Insurance in Alabama
What qualifies as “proof” of your car insurance can depend on where you live. In Alabama proof of car insurance coverage can be one of three different documents.
Insurance Card: The insurance card is just that, a card that is anywhere from the size of a credit card to a small index card. It can easily be slid into a sleeve or wallet made especially for holding your registration and insurance documents in one convenient place.
Insurance Payment Receipt: You may carry the receipt you received from your insurance company for your insurance payment. This is suitable proof in Alabama that you have insurance coverage.
Insurance Policy: This probably not the best of ideas, but you can carry your insurance policy with you to prove you have insurance. Most policy are not only bulky but cumbersome in the sheer number of pages that are included. Also, if something happens to your car, you run the risk of your policy being destroyed along with all your contact information for your insurance to get another one.
The bottom line is if you are driving in Alabama be sure you have everything you need to show to the officer if and when you get pulled over. The alternative is just not worth the money and time you will lose if you do not. So compare rates from top companies at our site and you could save up to 75% on auto insurance. Finding cheap car insurance quotes is easy if you know where to look. Simply enter the zip code above and we will find you the cheapest car insurance provider in your area. Let the competition work for you instead of having you to spend countless hours researching to find the best rates for your vehicle.