Sweet Home Alabama Auto Insurance Quotes

Alabama auto insurance quotes, Whether you're a trucker based out of Birmingham or a homeowner in Montgomery, you need better information about Alabama auto insurance quotes to plan your budget and protect yourself against road hazards that you may encounter. Even if you do your lion's share of commuting via Huntsville International Airport or the Amtrak line to Tuscaloosa, if you drive a car in AL, you must come into compliance with Alabama auto insurance laws. So what are these laws?

Laws and Statistics Regarding Alabama Auto Insurance Quotes

As of early 2010, state law required drivers to carry both bodily injury and property damage liability insurance. You must have $50,000 coverage for bodily injury per accident and $25,000 coverage per person. You must also carry $25,000 in property damage insurance – in case you hit and damage another car while tooling around the beaches of Baldwin County, for instance.

Although this may sound like a lot of insurance to carry, Alabaman drivers have it pretty easy, pocketbook-wise. In 2007, according to the National Association of Insurance Commissioners, Alabamans paid just $684 for auto insurance – ranking the state towards the middle of the pack. Consider that the average US driver paid $795 – more than $100 more. Breaking these figures down further: Alabamans paid $136 for comprehensive, $317 for collision, and $364 for liability. There is some bumpy news on the road to better Alabama auto insurance coverage, however. According to the Insurance Research Council, in 2007, Alabama had the third highest rate of uninsured drivers in the country: a whopping 26%. That means more than one out of every four drivers on roads like I-59, I-85, I-22, and US 11 lacked insurance. At least this rate wasn't as high as next-door neighbor Mississippi's rate of 28%, but it was still pretty bad.

Beautiful and Low Alabama Auto Insurance Quotes

If you live in any one of the 67 counties of Alabama the Beautiful, and you drive a motor vehicle, you crave ideas to save money on your insurance. It doesn't matter whether you root for the Birmingham Barons or the Montgomery Biscuits – whether you live in a cosmopolitan suburb near the capital, or you own a hushpuppy stand deep in the boonies near the coast – you want to maximize coverage and minimize what you pay. To that end, consider these tips.

First of all, select the right deductible for your needs. A deductible is the amount of money that you pay out of pocket before your Alabama auto insurance quotes coverage kicks in. If you opt for a lower deductible, it means that you won't have to pay as much before you get help, but it means that you will likely have a higher premium. Conversely, if you go for a higher deductible, you generally will get a lower premium.

Second, if you can, choose a safe car. It doesn't need to be safety engineered by the eggheads at the US Space and Rocket Center in Huntsville, but it should get a high safety rating. You can also look for senior citizen, good student, and safe driver discounts. Lastly, you will likely get better Alabama insurance quotes if you avoid getting tickets and getting into accidents.

Shopping Around for Superior Alabama Auto Insurance Quotes

To finish your search for Alabama auto insurance quotes -- so you can get back to munching on the goodies you picked up at the National Peanut Festival or listening to Mahler at the Alabama Symphony in Birmingham -- you need a way to collect, process, and organize solid information about auto insurance possibilities. To that end, please leverage the service of AutoInsuranceQuotes.com today. It takes two minutes to fill out our online quote form, and you can get multiple quotes right away to compare and contrast. AutoInsuranceQuotes.com works with over a hundred of the nation's best rated companies, and our form is fast and free to use with Alabama auto insurance quotes.