Automobile liability insurance also known as auto insurance or even car insurance. It is the type of insurance that is purchased by vehicle owners for the different types of motor vehicles, from cars to trucks to motorcycles and other motor operated vehicles. Automobile liability insurance protects the owner from financial losses incurred from a vehicular accident. This type of automobile insurance generally covers the insured party, the insured vehicle, the car and people that were involved in the accident or the so called third parties and the vehicle and other properties damaged as a result of the accident.

In the United States, the automobile insurance is compulsory although the requirements vary from state to state. The enforcement is also different from state to state. For instance, New Hampshire does not require drivers to have liability insurance and in Virginia, the drivers must pay a fee for each vehicle they own if they do not want to buy insurance. In most cases where the state does not require vehicle owners to have automobile insurance, they must still show some proof of financial responsibility. In some states however, the law is strict and vehicle owners and drivers must purchase the minimum auto insurance coverage required by the state before they can register their vehicle. In these states, driving without insurance may result in jail time and fines. Drivers caught driving without insurance may also have their license suspended and before they can get their license back they must have the required insurance coverage.  

The premium for automobile liability insurance coverage will actually depend on several factors. Most insurance rates will be within the average premium in that particular state. Of course other factors may affect the price such as the type of car, the coverage limits, the deductible and the covered perils. Aside from these the gender of the driver or owner is also taken into consideration. Male drivers generally have higher rates than female, age is also a major factor. For instance, teenage drivers have a higher automobile liability insurance premium than the regular adult driver. The same goes for senior citizens.

At the same time, insurance companies also offer discounts. So if you are in the market for auto insurance you should check out the different discounts offered by these companies. For instance, almost all auto insurance providers have safety feature discounts for cars which have additional safety features equipped.