My dad bought me a car yesterday. I would like to know the auto insurance rules in Alabama before I purchase a policy.

Beth

Mobile, AL

Owning a car is equated to a financial obligation because you are required to carry proof of financial responsibility. This rule can be burdensome because every month, a large chunk of your money will be taken away by the auto insurance company. Auto insurance however is not really an expense but a good deal of investment for you.

The minimum required auto insurance in Alabama are:

• Bodily Injury Liability: $25,000/$50,000
• Property Damage Liability: $25,000

It is highly recommended that the insured purchase auto insurance in Alabama, or in any other states, more than the minimum.

Auto insurance in Alabama suggests additional coverage other than liability insurance. Collision and comprehensive coverage, for example, pays the cost of the damage in your own vehicle. If the cause of the damage was due to an animal that you hit when it immediately crossed the road, collision and comprehensive will still cover the cost of vehicle repair. This is because the incident is beyond the control of the driver.

Uninsured/underinsured policy are additional coverage but these are not required by the states.

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I got charged a DUI here in Alabama, what’s going to happen now? I hope you can give me some information since this is the first time this has happened to me! Thanks!

Cheryl

Huntsville, AL

Every driver in Alabama should know that DUI or Driving Under the Influence is a very serious offense. Most states today, in fact, have put in place laws heavily penalizing drunk driving offenders with costly fines, suspension of driving privileges, and even jail time. Penalties become much more severe for repeat offenders. Getting the right kind of DUI insurance coverage is essential to be allowed to drive again after a DUI.

First, some facts about DUI penalties in the state of Alabama:

• $600 – $2,100 fine, up to one-year incarceration, and a 90-day driver’s license suspension for first-time DUI offenders.
• $1,100 to $5,100 fine or one year in prison or both, and one year license suspension if the second DUI offense was within five years after the first.
• $2,100 – $10,000 fine, license suspension for the next three years, and one year in prison for the third DUI offense.
• $4,100 – $10,000 fine, jail time from one to ten yeas, license suspension for the next five years and the fourth DUI offense will be treated by the state as a class C felony.

Once you are allowed to drive again, getting an auto insurance provider to file an SR22 form and give you the appropriate DUI insurance policy should be top priority. Auto insurance for DUI offenders tend to be very expensive; unless you know how, and where to find the best ones.

This is where the Internet becomes the best tool and resource that one can have when it comes to looking for the right DUI insurance policy. With many businesses offering DUI auto insurance rates, coverage and services online, it only takes a few minutes for anyone to compare offers and find the most affordable DUI auto insurance available.

The best way to find a DUI insurance provider, offering the right policy at the right price, is to compare your options. Online DUI auto insurance portals can do this easily, effectively, and absolutely for free! So save time and effort and get yourself back on the road immediately.

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What will happen to my auto insurance and what are the penalties if I get convicted of DUI in Alabama?

Jenny

Birmingham AL

Drivers in Alabama should all know that drunk driving is an offense taken very seriously. In fact, most states today have laws that impose heavy penalties, and even the very real possibility of incarceration, for drunk driving or DUI (Driving Under the Influence) offenses. Punishments are harder for repeat offenders. If this is your first time to get charged with a DUI, getting the right kind of DUI insurance for you and your vehicle is essential.

Here’s some details about what consequences a DUI offender can expect to face in Alabama:

• 1st Offense – Fines from $600 – $2,100, possible imprisonment up to one year, drivers license is suspended for a total of 90 days.
• 2nd Offense – Fines $1,100 to $5,100 or 1 year imprisonment or both, and one year license revocation, if 2nd conviction is within five years after the 1st.
• 3rd Offense – $2,100 – $10,100 fine, three-year driver’s license suspension and up to one year in prison.
• 4th Offense – Fines: $4,100 – $10,000, incarceration from one to ten years, 5 year license suspension. The 4th offense treated as a class C felony.

After satisfying your sentence/ conviction, offenders would also require an auto insurance company to file an SR22 form, aside from providing the necessary DUI insurance coverage, to help you get back on the road. Not surprisingly, this special kind of auto insurance can be very expensive, unless you know how to find the right one.

The Internet is a great source and channel for businesses – and the consumers looking for them – offering affordable or reasonably priced DUI insurance coverage in the state of Alabama. With the many online auto insurance portals, anyone can have free access to the latest auto insurance quotes and offers available in the market.

A smart consumer knows that comparing his/her options is the best way to get the DUI insurance coverage best suiting his/her needs. By using online auto insurance portals, you can compare rates from some of the best auto insurance providers a lot faster and easier. Saving you essential time and effort to get your driving again.

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I still live with my parents here in Alabama but I already have my own car. I just wonder if I could have lower car insurance rates being a young driver and if so, how is that possible?

Noemi

Tuscaloosa, AL

Even though you already have your own car but you are still living with your parents in Alabama, you are still qualified to stay on their car insurance policy. This would certainly give you lower car insurance rates even if young drivers like you are considered higher risks. That is because your parents are in the lower risk category of motorists. This way, your car insurance premiums are cheaper that what they are going to be if you buy your own car insurance policy. But you need to ask first the car insurance provider of your parents because they might not allow this since you own your car.

There are also some other ways for you to have lower car insurance rates as a young driver. You need to go over your other insurance coverage and check you are paying for double-coverage. In case you already have family health insurance, you may opt not to have Personal Injury Protection or PIP. This coverage would pay for your medical bills in case you get into an accident. Sometimes, some auto insurance providers would let you to limit medical compensation under the uninsured motorist coverage in trade for a cheaper rate. You just need to make sure that you are not compromising the quality or your auto insurance to save some money.

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What’s the best way to save on car insurance expenses if you have teenage drivers? My kids just got their driver’s license here in Alabama and I don’t know how this will affect our rates.

Jemal

Montgomery, AL

Congratulations on your kids passing their driving tests and getting their first, real touch of independence, their Driver’s License. Now comes the hard part, how to keep your auto insurance costs in check while making sure that your teenagers are adequately protected while on the road. It is a known fact that teenagers, once added to their parents auto insurance policy, will cause the said policies rates to significantly increase. If you are not aware why, teenagers are considered by auto insurance providers to be “High-Risk” drivers, getting involved in more car accidents as compared to more mature drivers wh have more experience on the road.

Here’s the good news, there are ways to offset the costs the added costs of teenagers on your insurance rates there in Alabama, here’s a few tips:

1. Good Student Discounts
Now is a great time to encourage your kids to study better, most insurance companies provide Good Student Discounts for students who are performing academically well (at least an Average of B).

2. Defensive Driving Lessons
Did you know that taking accredited defensive driving lessons will qualify you for additional discounts towards your insurance premiums? It also has the added perk of teaching you the skills to become safer and responsible drivers.

3. Get A Higher Deductible
You may choose to get a higher deductible on your insurance coverage to lower your regular insurance premium, and offset the costs of teenage drivers on your car insurance.

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Would there be a car insurance company willing to provide me coverage for the same rates after my DUI charge here in Birmingham, Alabama? I heard a lot of stories about some people who got DUI that they really had a hard time getting insured.

Freya

Birmingham, AL

I have to be honest with you that you would have a hard time finding a car insurance company that will give you coverage for the same rates that you have now after being charged with DUI in Alabama. Since the case is still ongoing and you’re not convicted for DUI, you may opt not to inform your current car insurance company about it. But if you get convicted for DUI, it can’t be missed because you would have to request an SR22 insurance from them. You wouldn’t have to make up story but rather present yourself as a sober person willing to change.

You may want to join a rehabilitation course and try to get rid of your drinking habit. If you produce a rehab certificate, this could encourage the insurance company to give you the SR22 insurance coverage. Also, you have to refrain from being a designated driver when with colleagues or friends while visiting a bar or a night club. This would be most helpful in avoiding a second DUI as prevention is still better than cure. Lastly, don’t exhaust all your efforts finding the right car insurance elsewhere because I believe you can find it right from this website so get an online rate quote now.

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I just moved from California to Alabama, and just yesterday I bought a new car. I am getting car insurance next month, would like to know the minimum liability limits here in Alabama for car insurance.

James, Birmingham AL

Hi James,

With the new car that you purchased, it is good to know that you are going to get a car insurance. In the state laws of Alabama in terms of Auto Insurance there is the so-called 20/40/10, which requires every vehicle must have minimum liability coverage of $20,000 per person, $40,000 for all injuries and $10,000 as property damage liability.

The 20/40/10 is what I have here at Decatur, AL when I purchased my BMW years ago. Before you plunge into signing into an insurance contract, it is best to search for companies that offer cheap premiums and also be sure that the minimum coverage of 20/40/10 is fully satisfied in your insurance policy.

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