In Alabama, whether you are legally authorized to drive a car on public roads, or not, there is always the chance that you will be found driving with no car insurance. Even though it is illegal to drive without coverage, not all states are as strict. That being said, here are some basic guidelines for how Alabama car insurance works. These can be a little confusing, so make sure that you are familiar with them before proceeding with any of these services.
When you receive a citation for driving without auto insurance in Alabama, most likely you will also receive a ticket for failure to yield to an emergency vehicle. An Alabama Auto Liability law states that you may be held liable for damage to a car that has been damaged by the negligence of another driver. In order to fight this claim, you will need to prove that the other driver failed to obey a traffic rule or was reckless about being on the road. When you receive this citation for not having car insurance, you may be asked to turn over your license to the police officer that issued the citation.
If you are caught driving without insurance in Alabama, you can face a hefty fine of up to $500 for the first offence. A second (and after that, subsequent) conviction can result in an additional fine of up to two thousand dollars and suspension of your license for six months. In order to avoid this penalty, you will need to purchase insurance for your car. There are many places that offer free auto insurance quotes in Alabama as well.
Depending on where you live in Alabama and what type of car liability policy you choose to purchase, there are several different levels of coverage that you will be required to purchase. The higher the coverage amount, the less risk that your auto insurance policy will have should you be found driving without coverage. Therefore, the lower the premiums that you will be charged, the more affordable the policy will be.
To receive an accurate quote on your car insurance in Alabama, there are a couple of things that you can do. The easiest way to find auto insurance in the state of Alabama is to go online and find one of the many websites that offer this type of service.
The first thing that you will want to do when you start the process of getting auto insurance quotes in Alabama is to make a list of all of the factors that you are interested in. Some of these factors include: how much you will be paying monthly, how much cover are you looking to purchase, is there any extra coverage required, and is your current policy adequate? Make sure that you take the time to review each option that you are presented with, before you make any decisions.
Another thing that you will want to keep in mind when searching for car insurance in Alabama is that you will be offered a number of different price ranges when comparing companies. As you compare price points, make sure that you only look at the quotes that are being offered by reputable insurance companies. You don’t want to end up with insurance that will not protect you if you ever are involved in an accident. Always compare rates that are from companies that you have already had good experience with.
By following the basics above, it will be much easier for you to find the best deal on your insurance. Always compare all of the different quotes you receive and then make the final decision on which company you wish to purchase the insurance from. Don’t forget to ask questions, and ask the right questions!