How Much Car Insurance Do I Need

If you’re a new car owner, you’re probably wondering how much insurance you have to put on the vehicle, especially if you live in the state of Alabama. There are some state requirements, but you can select a personal menu of additional items once you meet the minimum requirements. Read over this information so that you can get a firm grasp on what you will need for your vehicle.



The Necessary Insurance Coverage in Alabama

Every state has a minimum amount of insurance that they require their car owners to have. Alabama’s state minimum liability insurance is $25,000/$50,000/$25,000. This means that you have to buy $25,000 worth of insurance for bodily injury that may happen to one person in an accident. You must purchase $50,000 worth of liability insurance for body injuries for everyone in the accident. You must also purchase $25,000 worth of property damage coverage. After you have those amounts, you will meet the state’s requirements for liability insurance. You can then choose some of the other coverage that can help to protect your car for a lot of different situations.



Extra Coverage That You May Want

Different insurance companies offer varied suites of add-ons that you can select to make your insurance stronger. The following are some coverage options that you may be interested in having for your car.



Comprehensive Coverage

Comprehensive coverage has a good name because it covers a comprehensive list of things that could happen to your car outside of the scope of the simple accident. Some of the things that this coverage may handle, for instance, are problems such as theft and vandalism. Vandalism can happen when someone keys your car, spray paints it, pulls emblems off or otherwise destroys your property for no reason. Comprehensive coverage can help you get the repairs that you need so that your car can be beautiful and back to normal again. If something happens, you’ll have to pay a deductible, and then the insurance company will help you fix the problem. Comprehensive coverage can help you in instances of explosions, hailstorms and animal accidents, as well.



Collision Coverage

Collision coverage is something else that you may be interested in. It’s not the same as comprehensive. It covers you for actual collisions that occur during accidents. The difference between comprehensive and collisions is that the vents that happen during a comprehensive-qualified incident are not in your control. Other people or natural events cause these incidents. Collision helps with collisions with other vehicles, some of which you may have been able to avoid. They are both very popular coverage items that many people opt to buy.



Car Rental Coverage

Car rental coverage is something that you may be interested in adding on. It will reimburse you if you ever have to rent a car because of an accident.



Roadside Assistance

Roadside assistance is a valuable add-on, as well. If you have coverage, a tow truck can come to your rescue if you break down. You can also get help with tire exchanges, gas fill-ups, battery jumps and the like. Each plan is different, but they usually have a certain number of miles that they can tow you and a certain number of times they can come out every year before you exhaust your benefits.


Now that you know the minimum requirements and some of the extras, you can start choosing the coverage that you would like to have for your vehicle. You can contact a popular large firm, or you can go a different route and ask an agent to find a good policy for you.