You can check how many points are on your license in Alabama by going to the Alabama Law Enforcement Agency website. Checking your license points in Alabama will cost you $5.75, since you will need to pay for a copy of your driving record.
Alabama uses driver's license points to track violations. Accumulating 12 points in 2 years will result in a suspended license. Insurance companies also check customers' driving records for points, since having a poor driving record is associated with an increased risk of filing a claim. Consequently, license points will result in higher premiums. For instance, one DUI conviction will raise your premium by an average of 76% in Alabama.
Drivers in Alabama need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $25,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Alabama is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Two points will increase a driver’s insurance costs by roughly 20% to 100%, depending on the state, insurance company and type of violation. Two points are assigned for relatively minor traffic violations, like driving at night with no headlights or making an illegal U-turn. Two points might even be the minimum number of points you can get, depending on where you live. Some states assign points by a factor of two, skipping odd numbers in...
Car insurance in Alabama costs $48 per month or $577 per year for minimum coverage, on average. The cheapest car insurance companies in Alabama are Geico, USAA, and Western National, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Alabama is 30% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Alabama,...
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