What to Look for in an Alabama Auto Insurance Policy

With the increasing population, the demand for vehicles is also increasing, resulting in increased accident cases in the city. Thus, the law has made it a compulsory legal requirement in various states.

The Alabama Mandatory Liability Insurance (MLI) requires every driver to carry liability insurance in order to pay for victims. According to laws, it is mandatory to have a minimum of 25/50/25 in liability coverage.

So, in this article, we will be guiding you about what to look for in an auto insurance policy. 

Mandatory Auto Insurance Coverage In Alabama

As discussed above, it is mandatory to have a minimum of 25/50/25 in liability coverage as : 

Common Auto Insurance Coverage 

Basically, auto insurance policies comprise two types of coverage : 

Liability Damage

The insurance car liability coverages consist of : 

• Bodily injury liability: It is compulsory as per Alabama law.
  
  
• Property damage liability: It is a mandatory legal requirement as per Alabama law. 
  
  
• Hired auto & employer’s non-ownership: It is an optional coverage that provides your vehicle with the protection that your business hires. It also provides liability coverage for bodily injuries or property damage caused by you or an employee while driving for work purposes
  
  

Property Damage

Physical damage refers to the various insurance coverages that are made to protect your commercial vehicle. This coverage includes two types of damage you cause to other people.

• Another person's vehicle

At times, you might ding someone's bumper. In this situation, you are financially responsible for the damages. Property damage liability will pay for this vehicle damage, including the cost of repairing or replacing someone else's vehicle, up to the limit listed in your policy.

• Another person's property

There can be a situation when you accidentally crash into someone's fence or run over a neighbor's property. So, such damages are covered under the property liability insurance. 

Average car insurance costs by age and gender in Alabama

Age plays a vital role when it comes to auto insurance premiums in most states, including Alabama. Mostly, young drivers need to pay more for coverage because of high accident rates and less experience behind the wheel. After age 25, the coverage rate tends to come down as you maintain a clean driving record. 

Alabama Teen Driving Laws

• Basically, there are three stages to undergo for the driver’s license program. In order to get a learner’s permit, the minimum age of a teen must be at least 15 years, and needs to clear a written exam. This permit allows teens to drive with a parent, licensed driver over 21, or legal guardian. 
   
• At 16, applicants need to certify that they have completed a driver’s education course approved by the state Department of Education or need to pass a minimum of 30 hours of behind-the-wheel driving practice in order to apply for a restricted license. They are not allowed to have more than one passenger in the vehicle other than their parents, legal guardians, or any of their family members. 
   
• At 17,  in order to apply for an unrestricted or regular license, an applicant needs to have a restricted license license for at least 6 months. 
   
• At 18, applicants need to apply immediately for a full license and need to clear a road skill exam 
  
  

Top Car Insurance Companies in Alabama

1. Geico

This company is one of the cheap auto insurance in Alabama. It offers various discounts. According to various research, a Geico claim can be settled in as little as 48 hours. This company's experts concentrate on helping clients find the finest insurance coverage. 

2. USAA

This company is best suited for policyholders who need affordable rates, quality customer service, and benefits tailored to the needs of military members. USAA is available nationwide and can even help you get insurance coverage if you are stationed outside the U.S. in some cases.

3. Nationwide

Nationwide offers you various extensive coverage options that may be available to give you peace of mind when you’re on the road. This company is one of the largest and most diversified insurance companies. It provides a complete range of insurance and financial services products.

4. Travelers

This company is a leading provider of property casualty insurance for auto, home, and business. It also offers huge benefits as well as auto insurance quotes.

Ways to  Save on Car Insurance In Alabama

There are various methods to save on car insurance in Alabama, some of which need little to no time or effort to access the savings.

Compare

One of the best ways to shop for an affordable car insurance policy is to make a comparison. Rates may vary from one company to another. By shopping around and making comparisons, you can save money and enjoy various coverage options.

Take advantage of discounts

 Insurance discounts generally vary depending on the state and company. You can get a discount if you have a good driving record, insure multiple cars with one policy, are a member of a particular professional organization, etc. Most of the top companies offer various discounts to their customers, which allow you to take advantage of more significant savings

Bundle your policies

One of the other ways to enjoy discounts is to bundle your auto and home policy. This policy means s buying different insurance policies from the same company. 
Confused about buying cheap auto insurance in Alabama? We’re here to guide you every step of the way. We’ll help you get the best deals at the most affordable prices. So, what are you waiting for? Find your worth!!