Alabama\u2019s urban and rural southern appeal has made it a desirable location for people looking to relocate. By being aware of Alabama\u2019s insurance and driving laws you\u2019ll be able to enjoy its unique appeal \u2014 and save yourself from unnecessary problems.<\/p>\n
According to the Alabama Liability Insurance Law (32-7A), you must have car insurance<\/a> that meets the law\u2019s minimum requirements. These are as follows:<\/p>\n \u2022\u00a0\u00a0 \u00a0$25,000 for injury\/death to one person Starting in early 2013, Alabama license plate issuers and law enforcement verify liability insurance in real-time, using the State of Alabama\u2019s Online Insurance Verification System. Owners of vehicles who are unable to get their insurance verified through the online system are required to provide proof of insurance to license plate officials.<\/p>\n If you are caught driving without insurance, you’ll potentially be facing fines and a license suspension. The most common proof of coverage is with a valid insurance card, consisting of the policy holder’s name, effective date, the insurer’s National Association of Insurance Commissioners number, the vehicle identity number, and the policy number.<\/p>\n To find out more about Alabama insurance requirements you can go to the Alabama Department of Motor Vehicles<\/a> or talk with local insurers to get information about the varied policies and coverage options. Alabama’s Uninsured Motorist Statute requires insurers to provide you with uninsured coverage on every policy. So, if you happen to have an accident with an uninsured or underinsured driver, there\u2019s no need to worry. Should an uninsured or underinsured driver collide with your car, your policy will automatically cover the damages and injuries.<\/p>\n If, for some reason, you have trouble purchasing car insurance, a Motor Vehicle Liability Bond or a Certificate of Cash Bond can be obtained as proof of financial responsibility. For either of these bonds, you’ll need to fill out an application and bring your vehicle\u2019s Alabama certificate of title and Vehicle Identification Number (VIN).<\/p>\n When selecting car insurance, choose a plan that not only meets your needs but also one that\u2019s budget-friendly. Companies vary in rates for similar plans \u2013 a good reason to do your homework by comparison shopping. Three quotes should give you a fairly good idea of what you may end up paying for car insurance.<\/p>\n Consider some of these possible savings tips to keep your rates down:<\/p>\n Some drivers also decide to raise their deductibles to save a bit more money overall. Higher deductibles normally result in lower monthly payments. Older cars on which you can fix minor damage, while letting your insurer take care of the more expensive issues, may be the way to go.<\/p>\n If you\u2019ve recently moved to or plan to move to Alabama, be advised that you have 30 days to get your Alabama driver\u2019s license. To obtain your new license, you\u2019ll have to visit an Alabama Department of Public Safety<\/a> office and bring a copy of your valid out-of-state driver\u2019s license, birth certificate, Social Security card, and proof of new address. If all of your information is in order and accepted, the eye vision exam and written test will be waived. Furthermore, you\u2019ll have 30 days to register your vehicle, at which time you\u2018ll need to:<\/p>\n After you\u2019ve met these two requirements, a licensing official will collect fees and issue you a license plate. There is no emission test required in the state of Alabama.<\/p>\n While driving on Alabama\u2018s roadways, you must be aware of the state\u2019s unique driving laws. Alabama has strict laws regarding cell phone use. Text messaging is forbidden for everyone. No exceptions. If you\u2019re 16 or 17 with an intermediate driver’s license, you can\u2019t talk on your cell phone. Additionally, Alabama is a partner of the “Click It or Ticket” program, so your seatbelt must be worn at all times.<\/p>\n As in most states, Alabama adheres to very strict and serious driving under the influence (DUI) laws. Get caught with a blood alcohol content (BAC) over 0.08 percent, and you’ll face large fines, a jail sentence of up to a year, and license suspension. Multiple offenses result in increased penalties. Underage drivers stopped with a BAC as low as 0.02 will be issued a DUI by Alabama police officers.<\/p>\n Whether you live in Alabama or just passing through\u2026it pays to make sure you\u2019re getting the best rate on your car insurance. USAgencies can help you with that. We have live agents available to answer your car insurance questions and to give you a free, no-obligation car insurance quote. You can even begin coverage today. Call today (800) 420-3712.\u00a0<\/strong>You can also request a car insurance quote online<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Alabama\u2019s urban and rural southern appeal has made it a desirable location for people looking to relocate. By being aware of Alabama\u2019s insurance and driving laws you\u2019ll be able to enjoy its unique appeal \u2014 and save yourself from unnecessary problems. According to the Alabama Liability Insurance Law (32-7A), you must have car insurance that […]<\/p>\n","protected":false},"author":2,"featured_media":1311,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[20,7],"tags":[49,50],"class_list":["post-1307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alabama-car-insurance","category-car-insurance","tag-alabama-liability-insurance-law","tag-online-insurance-verification-system"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/1307"}],"collection":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/comments?post=1307"}],"version-history":[{"count":2,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/1307\/revisions"}],"predecessor-version":[{"id":3263,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/1307\/revisions\/3263"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media\/1311"}],"wp:attachment":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media?parent=1307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/categories?post=1307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/tags?post=1307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\u2022\u00a0\u00a0 \u00a0$50,000 for injury\/death to more than one person
\n\u2022\u00a0\u00a0 \u00a0$25,000 for damage to property<\/p>\n\n
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