Auto Insurance in Alabama

Guide to Auto Insurance in Alabama

Research car insurance companies in Alabama to get the best rates
By Shannon Tani

Business owners in Alabama should make car insurance a top priority. Auto insurance is required of all drivers in Alabama. The Department of Revenue randomly checks a sample of car owners to ensure that they are maintaining insurance. Without auto insurance in Alabama, your registration is suspended.

Because of this, it is very important for companies to carry Alabama auto insurance. Companies should ensure that the policy covers all employees who will be driving company-owned cars. They should carry proof of auto insurance in Alabama at all times. If employees are sharing cars, it is best to keep the insurance card in the glove compartment.

Fortunately, it is easy to research Alabama car insurance companies online to get the best rates. When researching car insurance companies in Alabama, you should know:

1. The laws about Alabama auto insurance.
2. How many people will be driving company-owned cars.
3. How much coverage you need.
   

Action Steps

The best contacts and resources to help you get it done

Know how to compare Alabama car insurance rates Online companies can help you to find Alabama auto insurance rates. Through these sites, you can receive quotes from many leading auto insurance providers. You will also be able to compare the services offered.

I recommend:  There are many websites that can help you search for car insurance in Alabama. Popular sites include CarInsurance.com and Insurance.com.

Select the Alabama auto insurance provider that's right for your company Some Alabama auto insurance providers offer lower rates while others offer a higher level of service. Decide which option works best for your company. Contact the company and arrange to open a policy with them.

I recommend:  Geico is known for its low rates and State Farm is known for its high level of service. Other auto insurance companies include AIG Insurance and Liberty Mutual. Some companies offer additional services such as Progressive's roadside assistance.

Purchase enough coverage to satisfy your company's needs Alabama law requires at least $20,000 in injury liability for one person in an accident, $40,000 for all personal injuries, and $10,000 for property damage. If you want coverage for higher amounts, you should purchase additional coverage.

I recommend:  AIG Insurance and CarInsurance.com both offer coverage calculators that will tell you the amount of coverage that you need after answering just a few short questions. This is an easy way to determine the amount of coverage that's right for you.

Tips & Tactics

Helpful advice for making the most of this Guide

• Always check Alabama car insurance companies to see if you qualify for special discounts.
• Ask for auto insurance in Alabama recommendations from other local business owners. Often, a word-of-mouth recommendation is the best.
• Many companies will offer a discount if you bundle different types of insurance (such as car and life) together.
• Additional services might include roadside assistance, reduced or free rental cars when needed, and other insurance policies.
• If you already have some type of insurance policy, check if they can cover auto insurance as well.