For many drivers in Alabama car insurance represents a significant drain on their monthly resources and almost all drivers would like to find cheap high risk car insurance. Fortunately the state of Alabama offers just such insurance.
It's called a basic liability policy and it is the smallest - and cheapest - insurance policy that an Alabama driver can purchase and still drive 100% legally. If cost is your only concern then a basic liability policy may be what you are looking for.
Each state sets its own minimum requirements for liability car insurance. Here in Alabama the legal minimum amount of liability insurance you must purchase is what is called a 20/40/10 liability policy.
What this means is your insurance will pay out a maximum of $20,000 to any one individual for medical expenses which result from an accident with your vehicle. It will pay a maximum of $40,000 in medical expenses for everyone involved in an accident with your vehicle regardless of how many people are hurt or what the extent of their injuries are. Finally the insurance will pay a maximum of $10,000 in property damage for any accident. Property damage generally means repairing the other person's vehicle, but property damage can include other property as well.
Two things make this insurance risky. First, this insurance pays ZERO for your medical bills and ZERO toward the medical bills of anyone in your vehicle at the time of an accident. Also this insurance pays ZERO toward the repair of your vehicle.
Secondly - and possibly more importantly - the maximum payout of a basic liability policy is not necessarily enough to cover the actual medical expenses or property damage which could easily result from an accident. If the insurance fails to pay all of the medical or property damage expenses of the other party you could be held personally responsible for paying the remainder out of your own purse or pocket.
This could, conceivably, result in you losing your life savings or even being forced to sell your home in order to make payments.
It is possible to purchase liability insurance with higher payouts at a higher monthly premium. Regardless of whether you choose to purchase a basic liability policy or a full coverage policy or something in between, your best bet for finding the cheapest high risk car insurance is to buy your policy online.
Online insurance companies have very little overhead and they pass that savings on to you. Obviously if you want to find the rock-bottom price for your car insurance then you are going to have to compare prices at the largest number of insurance companies possible, and the only way to do that is to make your price comparisons on more than one website, rather than relying on just a single site.
But as soon as you've finished making all of your comparisons the final step is simple - just choose the lowest price you found and count your savings month after month, year after year. If you drive on any public road in Alabama you'd better have up-to-date car insurance - or be prepared to face the consequences. If you're caught driving without insurance your car's registration can be revoked on the spot, your car can be impounded, and you will not only have to prove that you have insurance to get your registration reinstated, you'll also have to pay a $100 fine. Fortunately there's a way to get super cheap car insurance here in Alabama so you won't have to risk all of that.
The cheapest car insurance you can buy in Alabama and still drive legally is what is known as a 20/40/10 basic liability policy.
This policy pays a maximum of $20,000 in medical payments to any one individual who is hurt during an accident with your vehicle. This policy will pay a maximum of $40,000 to cover the medical bills of everyone involved in an accident with your car, regardless of how many people are hurt or what the extent of their injuries are. The final "10" refers to $10,000 as a maximum property damages payment, which typically pays for the repair of the other person's car.
There are two things you have to keep in mind if you decide to buy the cheapest car insurance you can in Alabama. First, basic liability pays ZERO for your medical bills or for the medical bills of anyone in your car at the time of an accident plus basic liability pays ZERO for the repair of your car. You're on your own when it comes to getting yourself repaired or getting your car repaired.
And second, the payments that a basic liability policy makes are pretty, well...basic. They may not cover all of the costs involved in even a moderate accident. If your basic liability policy doesn't pay for all of the real medical costs or the actual property damages costs of an accident then you may be forced to make up the difference out of your own resources. That could mean depleting your life savings or even being forced to sell your home.
No matter what kind of car insurance you settle on - basic liability, full coverage, or something in the middle - your best bet for finding the lowest price possible is to purchase your insurance online.
If you are serious about getting the absolutely lowest price for your car insurance online then you'll want to be able to see as many prices as possible. The way you do that is to make your car insurance price comparisons on multiple websites rather than relying on just one site.
Once you've made all of your comparisons and you've reviewed all of the prices you've been shown, all you need to do is to choose the lowest price you've found and you've done it! You've gotten the cheapest car insurance that you're possibly going to find here in Alabama.