Cheap Motorcycle Insurance in Alabama

By law people are required to have a few documents in place before they can start driving or riding a motorbike. Insurance is also necessary so that in the event of accidents, people can pay for damages and injuries. If people don’t have insurance they can get fines or even lose their driving privileges.

Alabama Cheap Motorcycle Insurance Minimum Requirements

The first requirement that one must meet to start driving is to have a driver’s license. Each state has different age restrictions and other rules. In the state of Alabama, the rules are as follows:

  • Licenses are issued to any person who applies for one.
  • Younger applicants must be 14 years to apply. The license is issued with a restriction which is removed when the applicant turns 16.
  • A written exam is a must.
  • Documents such as the birth certificate, social security card and another form of identification have to be presented along with the license application.
  • The license fee is $23.50 and test fee of $5 have to be paid.
  • Drivers and passengers must always wear helmets before getting on the road.

It is advisable to take a safety course to learn how to ride a motorcycle as it is different from driving a car.

Alabama Cheap Motorcycle Insurance Required Paperwork

Motorcycles have to be registered and have license plates just like cars. The process is the same. The title to the vehicle has to be in the owner’s name before the registration process can be undertaken. People can get title applications from the State’s Department of Revenue – Motor Vehicle Division.

Motorcycles have to be registered within 3 weeks of purchase. Liability insurance is a must for all drivers. It is also a good idea to get the motorcycle inspected. Drivers don’t have to show any proof for financial responsibility – insurance is a must.

Alabama State Insurance Requirements

Liability coverage or a Liability Bond is required to operate mopeds or motorcycles in Alabama. The insurance policy amounts are as follows:

  • $25,000 coverage in case of injury for one person
  • $50,000 for all injuries in an accident
  • $25,000 coverage for property to damage in an accident

Insurance coverage and types of coverage are different – so shop around and make sure to get the right amount.

Driving without insurance or even proof of insurance can attract big fines or even a jail sentence. Make sure to have copies available in case they have to be produced.

Conclusion

People can get cheap motorcycle insurance depending on their age and driving record. A good record always helps – youngsters will have to pay higher premiums till they can establish a good record. Insurance rates also vary by state – so as a consumer, it pays to shop around and find the best and most affordable rates.

Motorcycle Insurance Related Articles