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What To Look For In A Full Coverage Automobile Insurance Quote In Alabama

There is often a great deal of difference between the minimum amount of insurance that the state of Alabama requires of a driver in order to operate a motorized vehicle on the roadways in Alabama, and the full coverage insurance that most lenders require when they finance the purchase of a vehicle.

At the very minimum you are required to purchase what is known as a 20/40/10 liability insurance policy in order to legally drive in Alabama. What this means is you must have insurance that pays a minimum of $20,000 per person in medical expenses, with a cap of $40,000 in medical pay-outs per accident, plus your insurance must pay at least $10,000 to repair or replace any property you have damaged in an accident.

Liability insurance does not repair or replace your vehicle and the minimum amounts that the state requires you to purchase may or may not be enough to pay for the damages of any particular accident you might be involved in. If your insurance is not sufficient to pay for all the medical claims against you, or if your insurance is not enough to repair the property that you have damaged in an accident, then you may be required to pay the remaining balance out of your own funds. If you do not have sufficient funds to pay for a judgment then you conceivably could lose your home or other assets that you have managed to acquire.

And since liability insurance does not cover your vehicle in any way, if you finance your vehicle then your lender will require that you take out additional insurance in any event. Your lender will require that in addition to liability coverage you also have collision and comprehensive coverage, both in the amount of the loan that has been made to you for the purchase of your vehicle, plus you may also be required to purchase Uninsured Motorist (UM) insurance.

Uninsured Motorist coverage protects your vehicle and may pay for medical coverage if you are in an accident with a driver who does not have any insurance or who has insufficient insurance to pay for all of the medical bills and/or property damage caused by the accident.

Collision Insurance pays for repairs to or replacement of your vehicle if you are in an accident with another vehicle or if you strike a stationary object such as a lamppost or a freeway guardrail.

Comprehensive Insurance protects your vehicle from accidents caused by natural acts such as falling tree branches, hail, etc. You should talk to your agent about windshield insurance, which is separate on many policies. Comprehensive coverage also protects you against acts of vandalism as well as repairing or replacing your vehicle if you should strike a deer or other animal.

Your collision and comprehensive insurance should cover no more than the Kelly Blue Book value of your vehicle or the amount of the loan that your vehicle is securing. In no event should your comprehensive or collision policy be for more than the Kelly Blue Book value of your vehicle.

Once you or your lender have determined the amount of liability insurance you need as well as the amount of collision, comprehensive and uninsured motorist coverage you need, then it is time for you to get online and find at least 3 different websites where you can compare the prices of automobile insurance policies from different companies head-to-head.

Enter the exact same figures onto the form on at least 3 different comparison websites and then simply choose the best rate you find. That's really all there is to it. Compare the same policy on 3 different sites and take the best price you find.

So now you not only know what to look for in a full coverage automobile insurance quote in Alabama, but you also know how to compare policy prices online and come up with the best possible price for your insurance.

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