If you are a licensed driver in Alabama, even though you don't have any vehicle, you must carry a liability insurance. That will protect all other vehicle that you might hit. At the same time, if you own a vehicle, they you should consider having uninsured motorist into your policy. This will cover you and your vehicle just in case you are hit by some uninsured motorist.
How much is the normal premium for uninsured motorist in AL ?
Your insurance agent should be able to provide the rate for uninsured motorist in Alabama. If you have a good driving record, you should get some sort of a discount.
Can I request for discount AL auto insurance rates for my son who is going back home for good from California to my place in Alabama to live ?
You can ask your insurance agent to run some quote for you so you can see all the rates that are available for you when adding your son into the policy. It shouldn't be that much, but it will be for your best interest to add him into the policy. This will give you peace of mind that no matter what happen while he is driving any of your vehicle, he will be fully protected.
Is it advisable for my other son to purchase his own policy due to his multiple violations and a couple of accidents ?
If you are looking for discount auto insurance rates online in Alabama I would check out as many sites you can for online quotes.
It is better for him to purchase a separate policy so you can preserve all your good driving discounts if you live in Alabama. This will give him the chance to learn how to stay out of trouble, at the same time he will be more careful while driving on the road. This will give the chance to understand why does he need to be more responsible while driving. Driving is not a game, he should know all his responsibilities. Once he start keeping his record clean for the next 24 months, then he should see a decrease of premium in his auto insurance.
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