Legal Requirement

In Alabama, car insurance in general is referred to in this numerical format “20/40/10”. The “20” stands for the minimum amount of Bodily Injury Liability coverage that you need and “40” stands for the maximum limit. The “10” stands for the amount to cover any property damage resulting from the accident.

Mandatory Minimum Liability Coverage

• Bodily Injury or Death Coverage Per Person – $20,000
• Bodily Injury or Death Coverage, Per Accident – $40,000
• Property Damage Per Occurrence – $10,000

If you think that only stores offer discounts, then you’re would be mistaken! Here are some discounts for Alabama car insurance:

• Multiple Vehicle Discount – If you have more than one vehicle in a same policy.
• Driver Education Courses – Having a certificate as a good driver.
• Good Student – Having good grades, somehow 3.0 GPA or higher.
• Vehicle Features – Airbags, antilock brakes, anti-theft devices such as low jack or homing devices can lead to discounts.
• Low Mileage – If your work location is near to your home or if your vehicle is used only when necessary.
• Renewals – If you will renew your insurance after one year.