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Purchasing car insurance in Alabama -- or in any state -- can be stressful. There seem to be so many requirements. Some insurance is mandatory; some is not. How can someone even begin to search for cheap car insurance in Alabama?
CheapCarInsuranceQuoteTips.com can help. Place your Alabama ZIP code in the box to the right and we'll send you a list of firms that provide Alabama car insurance quotes. With our help, finding Alabama car insurance won't be difficult. Don't worry about having to pay us or purchase something from the companies named on the list: our service is free and you don't have to buy insurance from any of the companies that appear on the list.
Car insurance in Alabama is mandatory. You must purchase liability insurance in the following minimum amounts:
- $25,000 for bodily injury/death for one person
- $50,000 for injuries/deaths to more than one person in an accident
- $25,000 for property damage
You'll need to provide proof that you have Alabama car insurance anytime a law enforcement officer requests to see it. This usually occurs when you're stopped for a traffic violation or after an accident. An insurance card issued by your insurance carrier is acceptable as proof of coverage.
In addition the Alabama Department of Revenue, Motor Vehicle Division sometimes sends questionnaires to random drivers in the state asking for verification of insurance coverage. You also may receive this questionnaire after you've received a ticket, if your driver's license has been revoked or suspended, or if your car's motor vehicle registration has been suspended within the past four years.
If you don't or can't provide proof of insurance, Alabama may suspend your driver's license. You can get it back by providing proof that you have purchased insurance and paying a fee of from $100-$200, depending on how many suspensions you may have had.
If you really don't want to purchase insurance, not even cheap car insurance, Alabama does have an alternative. It's called the Motor Vehicle Liability Bond and you have to get one for no less than $50,000 and you must carry a copy of this bond with your car.
You also can deposit at least $50,000 with the Alabama State Treasurer. For more information on the bond and/or how you may deposit the cash, check with the Alabama Department of Revenue, Motor Vehicle Division.
But there's really no reason you can't afford car insurance in Alabama. There are many insurance carriers who will be happy to provide Alabama car insurance quotes for you. You can purchase the minimum amount of liability insurance required by law -- which will cost you far less than posting a $50,000 bond or giving the state's treasurer $50,000 in cash.
You can find several insurance carriers for free right here at CheapCarInsuranceQuoteTips.com. Place your ZIP code in the box to the right and we'll send you a list of insurance companies. You don't have to purchase anything from these companies if you don't want to. Start looking for affordable auto insurance today!
