Alabama Department of Insurance

Auto insurance is an expensive purchase for most Americans. This guide provides information on how to make decisions that can lower the cost of your auto insurance and increase the value you receive.

To get the best value for your money, you must take responsibility for your auto insurance purchase and make your own decisions.

• Underwriting and Rating

  How do Insurers Underwrite?
  Rating

• The Tort System

  Liability Insurance

• The No-Fault System

  Personal Injury Protection
  Residual Bodily Injury Liability Coverage
  What No-Fault Doesn't Cover

• Property Damage Coverage

  Other Option Coverages

• Smart Shopping

  Seek Unbiased Information
  Where to Shop
  Price Quotations
  For Your Protection

• Your State Insurance Department
• State Auto Insurance Laws
• NAIC Consumer's Guide to Auto Insurance