Alabama State Insurance Requirements

Alabama state law needs minimum Liability of Bodily Injury limits of about $25,000 for every injured person to a total of about $50,000 each accident, Property Damage Liability insurance coverage with minimum limit of amount $25,000. This coverage is referred as 25/50/25 coverage.

State of Alabama pursues a Tort system that means someone should be found at a fault for causing accident, and that individual and insurance company is accountable for the damages. You must be aware that particulars of a tort system differ from one state to another.

You can also get Uninsured or Underinsured Motorist Injury Liability coverage to cover the bodily injury that is caused by uninsured or underinsured driver. Alabama Department Of Insurance doesn’t require drivers to buy this coverage, however you must consider buying this helpful coverage.

Alabama Rates:

In Alabama auto the insurance premiums averaged at $0.00 in 2004, representing the change of about 0.03 percent from previous year when the rates averaged $0.00. And 2004 figures have shown that the liability coverage averaged to $0.00, collision averaged $0.00 & comprehensive averaged $0.00. Also there were about 38 states, which had very high average premiums, 11 were lower. At 2003 there were about 39 states with the high rates than Alabama. If we take a longer trend, then premiums for the auto insurance in 2000 averaged about $0.00 and at 2001, $0.00 in Alabama. In year 2000, around 34 states had got higher premiums.

Some Factors Affecting the Insurance Costs Alabama:

Suspension on DUI On first offense for DUI or DWI drivers license will get suspended for about 90 days.

Average auto insurance premium for Alabama residents was $793 in 2003; national average was about $914. Few people thought that state & insurance companies would fix the rates, thus they never shop for better rates. The car insurance companies fragment their rates in a different way so everybody's rate will be little different with every company. You need to shop over to see in case you are saving some money. LocalInsuresearch.com will help you find a competitive rates & discounted prices in Alabama, thus average Alabamians will get better than average low rate on auto insurance.

The 2007 had first decrease in the rates as 1999 and 2007 had 0.5% - 1% decrease in the auto insurance rates in 2006 and in 2008, again rates are estimated to slowly increase again! Some sites make out that an only mode to save is shopping. We bring the competition straight to the consumer & lower your prices through the technology!