Here are some useful information on getting your Alabama car insurance. It has been estimated that there are over 3 million passenger cars owned by private owners.

This gives rise to a highly competitive car insurance industry in Alabama. In the list of top insurance expenditures, Alabama is ranked in the 37th position for 2005. On an average, every car owners spends around $670 per vehicle on insurance coverage in Alabama. While getting your Alabama car insurance quotes you must then look for quotes that beats this state average.

Alabama Car Insurance Laws

As per Alabama car insurance laws, all the vehicles to be insured for liability and the latest minimum liability value required is $25,000 per injured person up to a total of $50,000 on each accident. The minimum property damage liability required id $25,000. This is the basic coverage required for your Alabama car insurance. This policy is effective from August 30, 2008.

Alabama uses Tort system like many other systems. By Tort system, we mean that if some one is found at fault in an accident, the person responsible for the accident and their insurance company are liable for the damages caused. Please note specifics of Tort law varies with each State. Alabama does not require car owners to get uninsured or under insured motorist coverage. However, you will be on the safer side getting your uninsured motorist coverage.

Alabama takes noncompliance on the minimum liability insurance very seriously. They perform random checking to ensure that everyone complies by these minimum requirements. In case you don’t carry any insurance or your insurance does not meet the basic requirements, your auto registration tag will be suspended and you will be paying a fine of $100 to get your vehicle reinstated for the first offense. For the second time you will have to pay $200 for the reinstatement of your registration and the second time. This time, your registration will be suspended for 4 months even if you pay your penalty immediately after you are caught to reduce the number of noncompliance cases in this regard.

Alabama Car Insurance

Alabama Motor Vehicle Division
50 North Ripley Street
Montgomery, AL 36104
Phone: 334-353-2000

http://www.ador.state.al.us/motorvehicle/index.html

Alabama Department of Insurance
201 Monroe Street, Suite 1700
Montgomery, AL 36104
Phone: 334-269-3550

http://www.aldoi.gov

Click Here For A List Of Alabama Car Insurance Options