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Alabamians on average paid about $793 in auto insurance premiums in 2003, compared to the national average of about $914. Most people believe all these alabama auto insurance rates are fixed by alabama automobile insurance companies and state regulatory agencies, but in reality discounted and competitive alabama car insurance rates are available in Alabama.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident
for which you are liable (at fault). This protects you in claims for damages
including medical expenses, lost wages and pain and suffering. This coverage
also applies for a member of your family driving your car or someone else driving
with your consent. For example, Vermont requires a minimum of 20/40/10 liability
coverage. The first number is the amount that the insurance will cover for any
one person ($20,000). The second number is the total amount the insurance will
pay for all persons injured in an accident.
Next, you want to be sure that you are covered in the event any property damage
is done. Property damage protects you against a claim for damages to either
another vehicle or property in an accident for which you are liable. The third
number (20/40/10) tells you how much your insurance will cover for property
damage in any one accident.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of
your family in your household and occupants of your automobile for personal
injuries caused by a hit and run driver or an uninsured motorist. This coverage
basically replaces the insurance the other driver should have bought but did
not.
When calculating your alabama automobile insurance quotes, you must take into consideration
the following factors; your driving record, moving violations and previous accidents. They will increase the cost of your alabama auto insurance. Other factors include age, gender
and marital status. Finally, the county you live in will also affect the cost
of your alabama car insurance as well as the driving record of any family members covered
under your alabama auto insurance policy.
Alabama law mandates that no person shall operate, register or maintain
registration of, and no owner shall permit another person to operate, register
or maintain registration of, a motor vehicle designed to be used on a public
highway unless the motor vehicle is covered by a liability insurance policy.
In lieu of liability insurance, under Alabama auto insurance law the vehicle
may be covered by a motor vehicle liability bond or deposit of cash. The motor
vehicle liability bond shall be in the amount of not less than fifty thousand
dollars ($50,000).
Even within the state of Alabama, auto insurance rates have changed over the past few years. Comparing the current alabama car insurance rate to the numbers from a few years back, the average auto insurance premium in 1999 was about $705, that's an increase of about 12.48% in 4 years!
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