Located on the central Gulf Coast, Mobile is the third most populated city in Alabama which makes having Mobile auto insurance essential. Not only is Mobile the state’s only seaport, but is it the tenth largest port in the United States.

Found on the northern Gulf of Mexico where Mobile River and Mobile Bay are joined, Mobile was originally settled by the French in 1702. Originally settled with less than 200 people it is now populated by over 200,000 people, which does not include the multitude of tourists who come to this town for its Mardi Gras festivities every year.

Motoring tourists must ensure proper state insurance coverage in order to avoid breaking the law while residents are required to carry a liability insurance policy. Whether living in Mobile or simply visiting, there are many speed traps so it is best to follow the posted speed limits to reduce your risk of getting a ticket. Read on to learn some tips for finding the cheapest Mobile auto insurance coverage.

Legal Liability for Mobile Auto Insurance

If you live in Mobile, Alabama then you are required to follow the motor vehicle state laws of Alabama. In order to own or operate a vehicle or permit another person to operate a vehicle in Alabama, the vehicle must be covered by a liability insurance policy of 25/50/25. The first two numbers of the 25/50/25 policy mean that the liability for bodily injury or death has to be a minimum of $25,000 per person and $50,000 per accident. The last number represents the amount of minimum coverage for property damage, which in this case is $25,000.

You are required to carry proof of insurance in your vehicle at all times and the insurance company must be qualified to operate in the state of Alabama. If you choose not to purchase liability insurance, then you also have the option to cover your vehicle with a motor vehicle liability bond or a cash deposit, either of which must be a minimum of $50,000. Failure to comply could result in the suspension of your vehicle registration, which will not be reinstated until you pay a reinstatement fee of $100 and provide proof of insurance. Second offenses will incur a four month suspension and a $200 fee along with showing proof of insurance.

Driving without insurance is illegal and if you are involved in an accident it can also be very costly. If you are not able to afford a $50,000 cash deposit or liability bond, then you need to purchase auto insurance for at least the minimum liability coverage. You can compare quotes for free online from various insurance companies to get the best liability rates.

Mobile Auto Insurance for Tourists

Every year Mobile, Alabama becomes party central for Mardi Gras, having been the first to celebrate it in America as early as 1703. For approximately four weeks, Mobile is alive with parades of floats and marching bands with residents and tourists dancing in the street and scrambling to catch beads and candy and other trinkets thrown from the passing floats.

Tourists that choose to drive to Mobile for Mardi Gras will not be driving on streets sanctioned for parades, but they will still be able to drive on other local highways of Mobile as well as the rest of Alabama’s public roadways. In order to avoid being cited for not having liability insurance for your vehicle, you must be sure to have your own state’s proof of insurance in your vehicle with you at all times.

While not every state’s requirements are the same, they typically honor each other’s requirements for non-residents provided the driver has satisfied the legal requirements of his home state. Since it is more likely to get pulled over in Mobile during festive events such as Mardi Gras, it is a good idea to keep your proof of insurance in the car you are driving at all times. Once you have arrived in Mobile, walking is a convenient way to go sightseeing, listen to the music, and perhaps even catch some of those Mardi Gras beads.

Speed Traps can Raise Your Mobile Auto Insurance Rates

Whether you are a resident or a tourist you are at risk of getting a ticket if you violate the speeding laws set by Alabama. Alabama is an absolute limit state, which means it is illegal to exceed the speed limit regardless of perceived safety. This means that if you felt it was completely safe to go 35 miles per hour in a 30 mile an hour zone, you can still receive a ticket for breaking the law.

There are several known speed traps in Mobile, and since speed traps are often times difficult to beat in a court of law, you should be extra vigilant about your traveling speed in these areas. Some of the common speed traps include Lloyds Lane on Girby Road by the school, University Boulevard between Highway 90 and Cottage Hill, Springhill Avenue as you come down the hill and the bottom of the hill on Hillcrest Road as well. The highways are also known to have some speed traps, such as the state crossing from Mississippi into Alabama on US Highway 98 where there is a sudden 10 mile per hour speed drop from 65 to 55.

Since speeding is against the law, it isn’t worth the ticket nor is it worth the potential increase in your auto insurance. Everyone can enjoy the city of Mobile more by simply following the posted speed limits and carrying proper Mobile car insurance.

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