If you're looking for affordable high risk car insurance here in Alabama I'm going to let you in on a little secret. While Alabama demands that every driver on its roads buy insurance, the state also recognizes that not everyone can afford to pay a great deal for their car insurance and so the state has a special high risk but very affordable policy available for its drivers.

The most affordable type of car insurance policy you can buy in Alabama is known as a 20/40/10 basic liability policy.

This is a bare-bones policy that pays a maximum of $20,000 for medical expenses to any one individual who is hurt in an accident with your vehicle. It pays a maximum of $40,000 in medical costs to all of the individuals who are hurt in an accident with your vehicle, and it pays a maximum of $10,000 in property damage that is the result of an accident that your vehicle is involved in. Property damage typically refers to the repair of the other person's vehicle, but it can include other types of property as well.

Understand that this insurance pays you absolutely nothing. It pays nothing toward the repair of your vehicle and it pays nothing toward any medical bills for you or for anyone riding in your vehicle.

The reason this type of insurance is considered to be high risk is because the maximum payouts for this insurance is considered fairly small and may not cover all of the medical bills or all of the property damage that can be caused by even a medium-sized accident.

If there are medical bills in excess of the amounts that your basic liability insurance will pay, or if there is property damage in excess of what your basic insurance will pay, YOU could have to pay the difference out of your own purse or pocket.

That means it's possible that you could lose your life savings or even be forced to sell your home as the result of a momentary mistake that results in a serious accident.

But whether you decide to purchase an affordable basic liability policy or you decide to buy a full coverage policy or if you decide to buy something in the middle, you will save the most money possible if you buy your insurance online.

Let's face it, when you are looking for the lowest possible price for your car insurance you want to see as many prices as possible so you have the widest possible choice. You're not going to have the choices you need if you just look at prices from one of the many price comparison websites out there. In order to have the most prices to choose from you'll need to look at the prices from at least 3 different sites.

Now just pick the lowest price and know that you have saved the most money possible on your car insurance here in Alabama.