One of the most important aspects when moving to a new state is to know the car insurance regulations and requirements in that state. You need to learn the basic information in relation to your being a licensed driver. Like in any other state, car insurance coverage is required in the state of Alabama. It is therefore vital that you should know the basic car insurance requirement with the hope of hitting upon a low cost policy.

When you are operating a vehicle within the state of Alabama, its auto insurance minimum coverage requires you liability coverage. Coverage of $20,000 for individual liability, $40,000/accident and $10,000 for property damage/accident is the minimum amount of acceptable insurance coverage.

When you are driving within the state of Alabama, proof of insurance must be in your vehicle always. These are the types of acceptable proofs you need to have in your vehicle:

· Permanent or temporary card from your insurance carrier

· Premium receipt or binder

· Current policy

· Proof of vehicle purchase. If the vehicle was bought within the past 2 months an active insurance card from your previous vehicle is necessary.

· A copy of rental car agreement with proof of insurance coverage if you are driving a rented car.

Failure to bring your proof of insurance will meet you with a consequence of suspension of vehicle tag registration. The tag registration will remain suspended until you show your current proof of insurance coverage to the proper authorities. A reinstatement fee of $100 is required to get back your tag registration.

Alabama auto insurance minimum coverage includes comprehensive and collision coverage as a requirement for vehicles with lease contracts. However, this is useful for expensive vehicles. This kind of coverage may not be necessary if you are driving an old car. On the other hand, collision insurance covers vehicle damage resulting from hitting another vehicle or lamp post and a tree or fire hydrant. Comprehensive insurance covers expenses in case of fire, flood, theft or burglary and damage caused by natural calamities such as earthquake.

A good Alabama auto insurance policy will take care of all these cases. Be sure that all your auto insurance is properly paid in order to enjoy all the insurance coverage you purchased. Alabama auto insurance provides assistance to any vehicle that gets stalled on the road. This roadside assistance is in conjunction with an existing organization in the state of Alabama.