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Category Archives: Alabama Insurance

Alabama car insurance requirements start at 20/40/10. This means you must have Alabama auto insurance in the amount of $20,000 coverage for bodily injury liability per person and $40,000 coverage for bodily injury liability total per accident.

STATE State Flag
Alabama State Flag

You are also required to carry at least $10,000 coverage for property damage liability total. If the damage to either people injured or auto damage/destruction exceeds these limits, you will be responsible for for the difference.

Due to that fact, we urge you to check out getting more coverage than the bare minimum when buying Alabama auto insurance.

Best Auto Insurance Rates In Alabama For A Chosen Few

Alabama Drivers Save MorePost Date September 25, 2012 — The best auto insurance rates in Alabama are now available.  Those mature drivers whom have reached the age of 55 can now take advantage of the best auto insurance rates in Alabama.  Although the Alabama Department of Public Safety classify those age 55 and older and Senior Citizens – they’re out of their minds.  I’m going to be 51 in November and have a 14-year-old son.  I can tell you from experience; “I’m nowhere near a Senior Citizen.  Bottom line, those middle-aged Alabama drivers who have reached the age of 55 years and above  are in for a treat.  The state of Alabama has pulled out all the stops and made auto insurance discount provisions for their safest and most mature drivers. Middle aged drivers 55 and older can now take a new driving course which will provide them a certificate of completion.  When you provide that certificate to one of our licensed agents, he/she will make sure you have the best auto insurance rates in Alabama.

The Best Auto Insurance Rates In Alabama Are Reserved For Their Most Mature Residents

Alabama lawmakers approved auto insurance legislation allowing  to qualified for the state-mandated automobile insurance premium credit by attending the  driving course online or in a classrooms. They will also offer refresher courses on defensive driving and changes in Alabama State Driving Regulations. The driving courses are being sponsored by the National Safety Council,  American Automobile Association,  American Association of Retired Persons and the Alabama Department of Safety. Alabama is not the only state offing these type of classes. The are over 30 US States  offering auto insurance rates discounts for qualified mature drivers.  Here in Pennsylvania, we offer a similar program called “55 Alive”.  The Insurance Institute For Highway Safety have statistics which show these mature safer drivers have a lower incidents of auto accidents  than any other age.  On the other hand, a higher fatality rate is being attributed to much older age 65 and older.  The frailty of these older drivers make them less likely to survive serious auto accidents. The National Highway Traffic Safety Administration had pronounced that in 2009 over 5000 people aged 65 and above were killed in vehicular crashes across the United States.

   –Mike 

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

Electronic Proof Of Auto Insurance Is The Future

Post Date September 10, 2012 –As Cell and Smartphone technology becomes more and more useful for both business and family use; it’s quite possible a Smartphone will become more important than family car. Smartphones do a number of amazing things beside making telephone calls.   The list is long and growing.  Your smartphone is an… Continue Reading

NH Policy Holders Remain Silent Over Rate Revisions

NH Policy Holders Remain Silent Over Rate Revisions

Saturday’s Post 12.10.11 – New Hampshire officials have reported no complaints regarding the rate increase affecting State Farm policy holders. The rates were raised by 0.2 percent on average in August. An official of the State Insurance Department said that they have only received one query related to the increase; the misunderstanding was between a quoted rate… Continue Reading

Tornados Cause Major Auto/Homeowners Claims

Tornados Cause Major Auto/Homeowners Claims

Friday’s Post 12/9/11 – Minnesota Auto/Home Insurance Companies were forced to pay out nearly $65 million in claims this year. The claims already filled are about 80% percent of what is expected. The department of insurance has announced that about 1000 claims totaling to $8.7 are still underway and will be paid in the near future. These claims have… Continue Reading

State Farm Cuts Auto Insurance Rates In Pennsylvania

State Farm Cuts Auto Insurance Rates In Pennsylvania

Pennsylvanians have reason to celebrate during this Holiday Season because auto insurance premiums are expected to go down by 1.3 percent. Starting December 26, policyholders are expected to save $16.5 million annually in the Keystone State. The move is eagerly awaited by policyholders who expect they will pay less for their monthly payments. The same reduction had been made in the previous… Continue Reading

State Farm To Cut Auto Insurance Premiums In Alabama

State Farm To Cut Auto Insurance Premiums In Alabama

Tuesday’s Post 11/7/11 –  The auto insurance company State Farm is planning to effect a reduction in auto insurance premiums for its customers in Alabama. This move is intended to pass on the benefits of a less risky operating climate that State Farm projects will prevail in the coming years. A company spokesperson says that the company expects… Continue Reading

Alfa Insurance Company Introduces Car Insurance

Alfa Insurance Company Introduces Car Insurance

Sunday’s Post 10/30/11 –  Residents of Alabama who have homeowners insurance with Alfa Insurance Company can now enjoy a multi-policy discount with their new auto insurance coverage just introduced by the insurance carrier. Just recently, Alfa Insurance Co. publicized that it will no longer countersign and underwrite a mono-line homeowner policies in Alabama. According to the company, this will only provide… Continue Reading

Homeowners, Auto, and Commercial Insurance Losses Increase From Alabama Tornadoes

Homeowners, Auto, and Commercial Insurance Losses Increase From Alabama Tornadoes

The April 27, 2011 tornadoes that hit Alabama presented more losses than Hurricane Ivan in 2004, according to catastrophe modeling company, AIR Worldwide. The losses are even greater than the damage caused by Hurricane Katrina in 2005, which caused $1 billion in insured losses in Alabama. The estimate provided by AIR Worldwide is between $1.9 and… Continue Reading