Choosing the Right Auto Coverage in Alabama 

When it comes to insuring your vehicle and your finances, understanding your auto insurance options is essential. At SOS Insurance Agency, we know that drivers want to make informed choices about their coverage. That’s why we’re breaking down the differences between comprehensive, collision and liability insurance, so you can select the right policy for your needs.

Understanding the Main Types of Auto Insurance

Liability Insurance

Liability insurance is required by law in Alabama. It helps cover costs if you’re found at fault in an accident involving other parties. This can typically include:

• Bodily injury liability coverage can help pay for medical expenses for others injured in an accident you cause.
• Property damage liability coverage can help cover repairs to another person’s vehicle or property.

Liability insurance does not pay for your own injuries or vehicle repairs.

Collision Coverage

Collision coverage helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or object, regardless of who is at fault. This can be especially valuable if you have a newer or higher-value vehicle. While not required by Alabama law, lenders may require it if you have a car loan or lease.

Comprehensive Coverage

Comprehensive coverage insures your vehicle against noncollision events, such as theft, vandalism, fire or weather-related damage (such as hail or falling branches). Like collision, comprehensive coverage is optional unless required by your lender.

How to Choose the Right Coverage

Selecting the right auto insurance depends on your situation:

• If you own your car outright and it’s older, you may choose liability coverage only.
• If you have a newer vehicle or a loan, adding collision and comprehensive coverage can provide greater financial security.

Consider your budget, the value of your car and your risk tolerance. Our team at SOS Insurance Agency is here to help Alabama drivers compare options and find the right balance of coverage and affordability.

Contact us today; we’re here to answer your questions and guide you every step of the way.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.