In the state of Alabama drivers are required to carry liability insurance when driving a vehicle. The minimum liability requirement for drivers in the state of Alabama is $25K of injury liability per person, $50K for total injuries per accident and $25K for property damage per accident. You are allowed a choice in Alabama of either carrying car insurance or putting up a bond or deposit of cash equal to $50K. All drivers must have proof of insurance while driving, and if you are caught driving without insurance the car registration will be suspended. To reinstate registration the driver will need to supply proof of insurance and pay a $100 fee. If the driver is caught more than once without insurance, the consequence will be a 4 month suspension as well as a $200 fee and proof of a current insurance policy.

There are several options available to the driver or car owner in Alabama when they need to provide proof of current car insurance.
1. Insurance card issued by the insurance company
2. Receipt issued by your insurance company/agent
3. Declaration page of your current policy for the vehicle you are driving
4. Bill of Sale within past 60 days with a current/valid insurance card from the car owned previously

Remember when looking for car insurance in Alabama that many insurance companies will offer you better deals if you “bundle” different insurance needs together in one company. Many insurance companies will let you bundle your car insurance with homeowners insurance or life insurance and give you discounts to do so. Always ask your insurance carrier if their company has any other discounts available besides bundling. Many will give discounts for good drivers for items such as taking a drivers safety course, having extra security systems on your vehicle or if you have teen drivers you might be able to get a discount for their good grades.

Many different auto insurance companies insure drivers in Alabama such as Geico, State Farm, Progressive or Liberty Mutual. Geico and Progressive are known for their low rates, but you can check each yourself by calling any of the companies directly or quotes from most of the insurers are available online. If you are not sure where to go on the internet you can always check with an online insurance search company like insurance.com.