Alabama Auto Insurance Policies

There are a wide variety of Alabama auto insurance policies available. There are several general types and each of these types can then be tailored specifically to what you need. Below is a quick overview of the three major types of Alabama auto insurance policies to help you get a better understanding of the type of policy that may work best for you. Also added is some information for high risk drivers.

Alabama Auto Insurance Minimum Requirements

Each state will have minimum requirements for auto insurance to help protect other drivers on the road. In Alabama, the minimum requirements are 25/50/25, which means $25,000 per person for bodily injury, up to $50,000 per accident for bodily injury with $25,000 per accident for property damage. This is considered liability car insurance and does not offer you any protection against your own property damage or bodily injury damage.

In Alabama, it is not required that you have PIP (personal injury protection) to protect you and your passengers in case of an accident regardless of who is considered to be at fault. You also are not required to have uninsured/underinsured Alabama auto insurance.

Liability auto insurance can be purchased with higher than the Alabama minimum requirement limits as well as uninsured/underinsured motorist insurance and PIP insurance to add further protection for you against lawsuit.

Collision Alabama Auto Insurance

Another type of Alabama auto insurance policy is a collision policy. It protects your vehicle if you are involved in a collision and are responsible for your damages. You can set the limits according to the estimated average for repairs on your car. The more expensive the car, generally the higher limits you place on the policy and generally the higher your Alabama auto insurance collision premiums will be.

If you have a vehicle that no longer has a very high resale value, then most people do not bother with collision auto insurance. However, it is a good protection for a vehicle that you are still paying for and that still holds value, because it can save you from very large repair bills. You can also set a deductible amount that will result in a larger out of pocket expense, but will save you money on your Alabama auto insurance premiums.

Comprehensive Alabama Auto Insurance

An Alabama auto insurance comprehensive policy will offer you the most protection. Though they can generally be tailored to your specific needs, they will include liability insurance, collision insurance with the added protections from vandalism, flooding and a whole host of other considerations that could damage your vehicle.

A comprehensive policy will be the most expensive type of auto insurance policy, though you can play with the limits and deductibles to get a rate that you can afford. If you are still paying for your vehicle, the lender will generally make you take out a comprehensive auto insurance policy as the vehicle is also their asset to protect. Once you have paid off the vehicle, you can then decide if it is financially sound to pay for a comprehensive auto insurance policy on your vehicle.

Alabama Auto Insurance for High Risk Drivers

High risk drivers can still get car insurance in Alabama. Alabama auto insurance for high risk drivers will be more expensive, but you have to get back on the road to prove yourself so you can get lower rates in the future. In Alabama, auto insurance is available for high risk drivers through a special program where all Alabama auto insurance companies share the risk for these drivers. This is an effort to provide auto insurance to those who cannot get it through the free market as well as keep the rates as low as possible for these high risk drivers.

Keep in mind that there are many different types of auto insurance policies and one type may be more suited to your needs than another. This allows you greater flexibility when searching for the right Alabama auto insurance policy.