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Even with 4.6 million residents as of 2006, you can find cheap auto insurance rates in Alabama whether you have a great driving record or a not-so-great one. With a ranking of 23rd in population, this southern U.S. state has several popular nicknames such as "The Yellowhammer State" and "The Cotton State." But "Heart of Dixie" is the most familiar. Since the late 20th century and even today, Alabama's economy thrives due to aerospace, biotechnology and automotive jobs. These along with the major industries of agriculture, mining and steel-making have managed to put a lot of motorists on the highways of Alabama every day.
If you are one of these motorists and would like to obtain cheap car insurance, you should find this to be an easy task with the 128 auto insurance companies in Alabama. Among these are Liberty Mutual, Geico and Progressive. Just be aware that every insurance company is not licensed and authorized in each state, so be sure the company you choose is licensed to serve drivers in Alabama.
Things You Need to Know about Car Insurance in Alabama
As of 2009, the average auto insurance premium for residents in Alabama was $1,420 and the national average was $1,735. All drivers are required to carry liability insurance when driving a vehicle. The minimum requirement of the state of Alabama is a $25,000/$50,000 limit in Bodily Injury Liability coverage and a $25,000 limit in Property Damage Liability coverage. You have the option to choose whether you want to carry car insurance or put up a bond or deposit of $50,000. You must have proof of insurance in your vehicle at all times while driving in Alabama. If you are driving without the proof and get stopped by a police officer, your car registration will be suspended.
A Tort system is followed in the state of Alabama. This means a person must be found to be at fault for causing the accident and along with their insurance provider, will be held responsible for all damages. Find out the details of the Tort system in your area, because it varies from state to state.
Factors that Affect Your Car Insurance Rate
If you are looking for a cheap car insurance premium, here are some major factors that companies will consider to help determine your premiums. They'll consider the number of miles you drive every year, your driving distance to work, driving experience, theft protection devices in your vehicle, multiple cars and drivers in your household, and whether or not you currently have auto insurance. Other factors that providers will consider include your age, gender, marital status, driving violations, vehicle type, accident claims, credit rating and occupation. Carefully take a look at these factors before you talk to a company about cheap auto insurance coverage. Some of these factors can't be changed, but some can...and you can potentially save hundreds of dollars per year!
Searching Online for Cheap Car Insurance in the State of Alabama
If you are having trouble finding cheap car insurance in Alabama or just don't have the time to make all those phone calls, now you can get free car insurance quotes online any time you want in just a few minutes. When receiving quotes from most providers, you'll be offered the option of choosing the package that suits your particular need.
You'll find that searching for cheap auto insurance online is as easy as the click of a mouse if you prepare before shopping online with necessary paperwork on hand, get rid of all distractions, stay alert and know your priorities. Now, all you have to do is enjoy the convenience of sitting back and clicking away to purchase your cheap Alabama car insurance.
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