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Cheap Alabama Auto Insurance

Cheap Alabama auto insurance quotes, companies, laws, minimum requirements. We help to find cheap auto insurance in Alabama.
auto insurance in Alabama

We’ve become a trusted source for those looking for cheap auto insurance in Alabama using our free quote tool! Never again will you have to pay for expensive car insurance that’s deficient on coverage yet high on cost? We can change that. We all know that car insurance can be an expensive item, but we offer some of the best quotes available – all from companies that are nothing short of excellent.

The best way to get cheap auto insurance in Alabama is to compare car insurance quotes. Jec163.com offers the easiest and fastest way to get auto insurance quotes online. Enter your zip code here and follow instructions prompted in the next window.

Alabama Car Insurance and Prior History
Maintaining a good credit score is the not only responsible – it’s vital to obtaining cheap Alabama car insurance. Alabama allows insurance companies to look at your credit history when determining your risk factors for premium rates. They use this information to determine how often you can pay your premiums and how much your premiums will be. Your payment options can be monthly, quarterly, or semi-annually. If your credit rating isn’t good, you may be asked to pay for either six months or a year of automobile insurance up front. On the other hand, if your credit rating is good, you will have more payment options and your premiums will be lower.

Your driving record will also affect your premiums, and if it’s not up to snuff, you may find it a bit more difficult to obtain cheap auto insurance in Alabama, as accidents and another other violations mark a person as a high risk driver. Alternatively, maintaining a clean driving record will reduce your premiums. Furthermore, the area where you live and work, and the miles you put on your car each year along with the volume of traffic in your driving area will also play a factor in your premiums.

Favorable Candidates for Cheap Alabama Car Insurance
Another effective method for obtaining cheap Alabama auto insurance involves the type of vehicle you drive. A vehicle with high safety ratings and family vehicles are cheaper to insure than sports cars or vehicles with poor safety ratings. The age of the driver, gender and marital status will also have an effect on premiums. If you have teenage drivers, putting them through an approved driver training course and seeing that they maintain good grades will help to reduce auto insurance premiums.

Proof of prior insurance coverage can also reduce your premiums – only increasing your chances to receive cheap car insurance in Alabama. Of course, this will only help if you left that company in good standing. If you are a first time car owner, the prior insurance issue should not be a factor when seeking auto insurance for the first time. Something else to consider when buying liability insurance is to purchase more than the minimum required by the state. Auto insurance companies may give you a premium break for this.

There are several insurance companies which have been approved and licensed in the state of Alabama. The average car insurance premium is around $684.00. They have 37th highest premium rates in the nation. Sixteen major auto insurance companies operate here. Their rates vary according to age, marital status, and gender. For example, a 60 year old, married, female will have the lowest premiums while the 18 to 21 year old, single, males will have the highest premiums.

In summation, the path to cheap Alabama auto insurance is one that has a lot of facets, but even still, one will need both accurate and affordable quotes. We’re a service that has a tradition of bringing the best possible offers to even the most discerning people. Not only is our free quote tool easy to use, it’s also one that can save a substantial sum on your new insurance policy. If you’re looking for a way to save hundreds, if not thousands a year – you’ve found a way!

The major auto insurance companies in the state of Alabama are Alpha Mutual General Insurance Company, Alpha Mutual Insurance Company, Allstate Property and Casualty Insurance Company, Farmers Insurance Exchange, Garrison Property and Casualty Insurance Company, Mid-Century Insurance, Nationwide General Insurance Company, Progressive Direct Insurance Company, Progressive Specialty Insurance Company, State Farm Fire and Casualty Company, State Farm Mutual Automobile Insurance Company, Travelers Commercial Insurance Company, Travelers Home and Marine Insurance Company, United Services Automotive Association, USAA Casualty Insurance Company, and USAA General Indemnity Company.

The table below shows a sampling of auto insurance premiums for the Camden, Alabama area by age group and gender for each company listed. The prices are estimates of cost before any discounts are applied.

CompanyF: S: 60M: M: 30F: S: 18F: 21: 21F: S: 48M: S: 18M: S: 21
Alfa Mutual General Ins. Co.$306.53$452.29$1018.46$819.40$659.36$1503.10$1067.12
Alfa Mutual Ins. Co.$306.53$452.29$1018.46$791.41$659.36$1503.10$1030.32
Allstate Property & Casualty Ins. Co.$232.66$340.53$939.59$1159.47$495.93$1192.21$1396.90
Farmers Insurance Co.$637.66$733.30$3250.00$2466.20$2073.10$5435.90$4783.30
Garrison Property & Casualty Ins. Co.$2254.27$327.49$1050.58$692.35$650.35$1231.69$805.64
Mid-Century Insurance$693.80$821.60$1670.60$1591.80$1007.80$2697.80$3357.60
National General Insurance Co.$512.90$4656.40$2585.20$2003.40$920.70$3302.30$2295.30
Progressive Direct Insurance Co.$349.00$400.00$2555.00$1429.00$1038.00$3192.00$1820.00
Progressive Specialty Ins. Co.$436 .00$531.00$2446.00$1545.00$1248.00$2861.00$1897.00
State Farm Fire & Casualty Ins. Co.$322.92$558.26$1466.68$1764.58$866.65$1958.80$2138.49
State Farm Mutual Automobile Ins. Co.$295.30$512.60$1129.58$900.91$790.30$1510.39$1099.87
Travelers Commercial Ins. Co.$490.00$589.00$2120.00$1690.00$1442.00$3183.00$2352.00
Travelers Home & Marine Ins. Co.$511.00$615.00$2229.00$1776.00$1516.00$3348.00$2471.00
United Services Automotive Association$235.06$290.73$875.45$602.54$589.67$1025.11$700.15
USAA Casualty Ins. Co.$232.86$297.76$958.92$627.27$594.55$1122.03$727.85
USAA General Indemnity Co.$342.63$425.28$1501.72$994.11$902.68$1761.39$1155.88

Useful links:
Alabama Division of Motor Vehicles
Alabama Division of Insurance
Alabama Department of Revenue

Alabama minimum requirements
Bodily Injury Liability per Person: $25,000.00 Limit
Bodily Injury Total Liability: $50,000.00 Limit
Property Damage Liability: $25,000.00 Limit

Alabama auto insurance requirements and laws >>

Cheap teen auto insurance in Alabama
Alabama DUI laws