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Alabama's state motto is Audemus Jura Nostra Defedere, which means, "we dare defend our rights." This motto refers to the independent spirit of the people of Alabama. When considering Alabama car insurance, you need to realize that a resident of Alabama is going to fiercely fight for his rights when involved in a vehicle accident. As such, it is important to be properly insured to protect yourself if you are in an accident.

If you are looking to save money on your car insurance, then is the place you need to be. The only way to save money on your car insurance is to have the chance to compare the rates and service of different companies side by side. That is exactly what we allow you to do. By bringing competition into the picture, you will be able to find a policy that not only fits your needs, but also has an affordable price. Since we allow you to comparison shop online, we offer you a convenient way to save money while saving time too. We offer insurance for all residents of the state. To get a free quote for your particular city, please click here.

In 2003 the average Alabamian was paying around $793 for their car insurance premiums. This is lower than the national average of $914 per year. However, because most people think that the rates for insurance a predetermined based on their driving records, this $793 figure is higher than it needs to be. The best place to find a better rate is at

Analysts expect to see a decrease in national rates during 2007, the first decrease since 1999. These experts indicate that this decrease could be between .5% and 1%. Part of the reason for this change in rates is the competition offered by sites like

Alabama has seen a change in insurance premiums in the past few years as well. In 1999 the average resident was paying $705 for car insurance. That means that in the four years between 2003 and 1999, insurance premiums increased around 12.48%! No wonder many people are shopping to find cheaper premiums. You can start saving money right now by asking for your free car insurance quote from

As a resident of Alabama, it is important that you understand the minimum state insurance requirements that apply to you. Alabama follows a Tort system. This means that you must be found guilty for causing a car accident before you or your insurance company will be asked to pay for the damages you have caused. If you are not from Alabama, please visit our State Insurance Regulators page to see what the requirements for your particular state are.

In Alabama, all drivers must have a minimum of $20,000 in Bodily Injury Liability coverage per injured person, totaling $40,000 per accident. In addition, Alabama drivers must have $10,000 in Property Damage Liability coverage. These three basic coverage requirements are sometimes called 20/40/10 coverage.

You may want to consider adding PIP, or Personal Injury Protection, to your policy. This pays for medical expenses deemed necessary for you and your passengers after an accident. This coverage is not required by law. Uninsured/Underinsured Motorist coverage is another optional coverage option you may want to consider. Again, this is not required by law, but it protects you from any damages that are caused by an uninsured driver.

At, we work with you to find the best possible car insurance rate, no matter what your driving record may be. You need to be protected from car crashes and theft, and we want to help you save money too. Our site is constantly being upgraded to offer you the best possible service. You may even be able to get an online quote and purchase your policy direct from the site. To find out how much money you could be saving, please give us your zip code. If you are shopping in a different state, we can help you too. Just enter your zip code into the box above, and we will send you to the page for information on car insurance in your state.
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