Auto Insurance Companies In Alabama
Readers Question:
I am about to get auto insurance in Alabama. I just moved from California so I am clueless about auto insurance stuff here. What auto insurance coverage should I get? How can I get the cheapest car insurance? Any help would be greatly appreciated. Thanks in advance!
Marcella
Birmingham, AL
Hello Marcella. Welcome to Alabama!
Auto insurance in Alabama is simple – just purchase car insurance coverage that includes liability coverage then your ok. Of course you need to purchase car insurance coverage that meets the required auto insurance limits in the state of Alabama plus you need to buy it from a licensed car insurance company in your home state also.
So what are the required minimum auto insurance limits in Alabama? That would be:
$20,000 for bodily injury liability for every person in one accident
$40,000 for all injuries in one accident and;
$10,000 for damage on property in one accident.
Remember Marcella, that you are required to purchase auto insurance in Alabama from auto insurance company that is required to conduct business here. Plus, you must also carry proof that you have indeed Alabama auto insurance whenever you drive. In general, an insurance card given by your insurer is the best proof of auto insurance coverage.
Meanwhile, since it appeared to me that you are looking for car insurance here in Alabama, you may want to consider few things to get cheap car insurance:
Shopping around for auto insurance quotes through the Web. The more auto insurance quotes you got the higher the chances of getting the best auto insurance price.
Enrolling in a defensive driving class can give you a discount of around 5%.
Completing a mature driving class (if you are a senior driver) can lower your auto insurance premiums up to 10% as mandated by the Alabama state law.
Installing anti-theft devices could lower your auto insurance premiums too.
Maintaining a good driving record would allow you to get a good driver discount offered by auto insurance companies
SUV Insurance In Alabama – What You Need To Know
pstrongReaders Question:/strong/p
pI am from Alabama. I have an SUV that needs to be insured. I heard that getting SUV insurance is more expensive that getting insurance for regular vehicles. Why is that? And what should I do to get affordable vehicle insurance premiums for my SUV?/p
pRita/p
pMontgomery, AL/p
pYou are correct Rita, as compared to insuring regular vehicles, the insurance for SUV in Alabama is quite high. And thats because if you get involved in an accident, your SUV would cause severe damage to another car as compared to when you drive smaller vehicles. In fact, SUV insurance is higher by around 10-20% as opposed to insurance for smaller vehicles./p
pAs you know, in setting vehicle insurance rates, insurers also consider how much it would cost them to cover your vehicle insurance claims. Even though majority think that driving SUV gives you more protection as opposed to operating smaller vehicles like sedan, we cannot denied the fact that SUV cause serious damage on other vehicles if involved in an accident. So with higher damages come higher vehicle insurance claims thus higher premiums for your SUV insurance./p
pMoreover, in 2004, the Highway Loss Data Institute noted that in terms of being the most stolen vehicle, Cadillac Escalade topped the list. And this particular class of vehicle is an SUV. With this, you may have an idea on how owning an SUV is riskier not only because of the damage it may cause to other vehicles but also on bigger possibility that it might be stolen. Car thieves find SUV as their preferred cars to steal. And car insurance companies know that risk. So the risk for replacing SUVs is higher as compared to other types of vehicle. For replacing Cadillac Escalade for instance, vehicle insurance providers will spend more or less $18, 000./p
pIf you think that getting cheap vehicle insurance premiums for your SUV is beyond unimaginable, then thats not really the case. In fact, you can get cheap vehicle insurance rates for your SUV. How? By just surfing the Internet. Get as many vehicle insurance quotes that you get – the more the better I would say. And believe me, form those vehicle insurance quotes, you can probably land a very good SUV insurance deal./p
pAlso, your driving record plays a very important role in determining your vehicle insurance rates. If you have very good driving records, no traffic tickets on your records or youve never been involved in any traffic accidents then you can get lower your insurance for your SUV./p
pFor more information about SUV insurance in Alabama, you can also ask your vehicle insurance agent./p
How To Spot The Best Life Insurance For You
pstrongReaders Question:/strong/p
pHow can I tell if a certain kind of life insurance policy in Alabama is right for me?/p
pbr /
Edward/p
pMobile, AL/p
pbr /
Everyone has different financial needs, goals, and circumstances. This greatly influences the type of life insurance coverage that is appropriate for every one. However, getting to recognize the right kind of life insurance policy in Alabama for you is vital for your dependents immediate future should you pass away suddenly, here are a few tips:/p
pWhy Do You Want Life Insurance In The First Place?/p
pThis is the most important question to ask before buying coverage. This tells you what youre goals are and makes it easy to recognize the coverage that best suits you. Whether you want to build and accumulate money under a cash value feature of a whole life insurance coverage for the duration of your life, or want pure, no-frills and affordable term life insurance coverage for a duration of time only, such as while paying mortgage, or while raising a family or sending kids to college./p
pHow Much Life Insurance Coverage Should You Buy?/p
pThe second, most-important question. Too little coverage and your policy may be worthless; too much coverage and youre just throwing money away. The immediate financial needs of your spouse or children for the net few years — should you suddenly make an early bow – will guide you on how much coverage or face value you should pay for under a policy./p
pShop At The Best Place/p
pContrary to what insurance brokers may say, consumers nowadays are empowered enough to be able to find the life insurance policy that best suits their needs. Thanks to the Internet, with its many dedicated online life insurance portals and websites dedicated to educating consumers about the facts surrounding life insurance (Ahem!)./p
pAnd Like this website, most life insurance portals offer free insurance quote checks, allowing you to get the latest rates coming from the best providers today, making it easy to find the right kind of life insurance policy for you, price-wise./p
Auto Insurance Law in Alabama
Reader’s Question:
Can you tell me the penalty for driving without auto insurance in Huntsville, Alabama?
Bill
Huntsville, AL
If you drive without car insurance and got convicted of the offense in Huntsville Alabama, this information will be forwarded to the court and notify the department of motor vehicle and this state agency will issue a suspension on your driver’s license.
If this is your first offense for driving uninsured in Alabama you can get it reinstated immediately if you pay a reinstatement fee of $100 and provide proof current car insurance. Second offense or subsequent violation of driving uninsured will result to license suspension for a period of four months. Additionally, you will have to pay a reinstatement fee of $200 and you will still need to provide proof of auto insurance.
Other than suspension of vehicle registration, any car owner or driver of a motor vehicle convicted driving uninsured offense may be fined up to $500 for the first offense. Conviction of second or subsequent violation will be fined up to $1,000 or a 6 month driver’s license suspension or both.
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