If you live in or around Birmingham, AL and are looking for Birmingham car insurance you have come to the right place.

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What You Need To Know About Your Birmingham, AL Car Insurance Policy

Before purchasing a car insurance policy, you should have some idea of the kinds of coverage you will need to include on your policy.

The most common types of auto insurance available to you for your Birmingham, Alabama car insurance policy include:

• Bodily Injury Liability: In an accident where you are found to be at fault, this covers the medical expenses of the other driver and his/her passengers.
• Property Damage Liability: This covers damages to the property of the other driver in an accident where you are at fault.
• Collision Coverage: This will cover damages to your car that are a result of an accident.
• Comprehensive Coverage: This will cover damages to your car that are non accident related, like fire or vandalism.
• Personal Injury Protection (PIP): This will cover your medical expenses resulting from an accident.
• Uninsured/Underinsured Motorist Coverage: This will cover expenses if you are in an accident and the “at fault” driver has no car insurance or insufficient car insurance.

A good place to start when trying to determine what coverage to include on your Birmingham auto insurance policy is with the Alabama auto insurance minimum requirements.

Alabama has certain minimum auto insurance requirements that each driver or owner of a registered vehicle in the state of AL must meet. If you do not wish to purchase auto insurance, you must show proof of financial responsibility in the form of having a cash deposit or a vehicle liability bond of $50,000.

The AL state auto insurance requirements are as follows:

• Bodily Injury Per Person - $25,000
• Bodily Injury Per Accident - $50,000
• Property Damage - $25,000

Alabama follows a tort system when it comes to auto insurance, meaning that whenever an accident occurs someone must be found at fault for causing the accident. Consequently, the at fault driver must assume responsibility for all damages incurred during or as a result of the accident.

This is why having a proper amount of auto insurance is so important. Not having good auto insurance coverage could result in financial disaster to whomever is found to be the at fault driver in an accident.

Also, when determining the amount of coverage you wish to include on your policy, remember that the state requirements are the minimum requirements. You may need more coverage depending on your personal situation.

Compare car insurance in Birmingham now with our free car insurance quote finder to find the coverage you need!

Car Insurance In Birmingham, AL – Penalties For Not Having The Proper AL Auto Insurance Coverage

If you are caught driving without the proper auto insurance coverage in Birmingham, there are certain penalties:

• The registration on your vehicle may be suspended.
• You will be forced to pay a $100 reinstatement fee, once proof of insurance is provided.

If you are caught driving without proper auto insurance coverage a second time the following may happen:

• Your vehicle registration will be suspended for four months
• A $200 reinstatement fee must be paid, once proof of insurance is provided.

Your Guide To Alabama Auto Insurance Rates

Understanding auto insurance rates can be tricky. But knowing what affects your auto insurance rates and how they are determined puts you one step close to finding the affordable Birmingham car insurance rates you have been looking for.

Here are some of the main factors that Birmingham auto insurance companies will use to determine your rates:

• Location
• Gender
• Age
• Vehicle
• Driving Record
• Claims History
• Credit Score

Remember that each auto insurance company in Birmingham is free to use any method they choose to set rates. That means that all auto insurance companies are not going to determine your rates in the same way. This is why shopping around is one of the best ways to save money on your Birmingham car insurance policy.

Ways To Lower Your Birmingham, AL Car Insurance Costs

Here are some tips that you can try for lowering the price of your auto insurance in Birmingham, AL.

• Choose A High Deductible
• Work On Raising Your Credit Score
• Find Discounts
• Shop Around!

Shop around and compare Birmingham, AL car insurance quotes now with our free Birmingham auto insurance quote finder!