Alabama offers something for everyone, from stock car races to quiet weekends on the Gulf Coast. However, one important consideration you’ll need to give serious thought is your auto insurance premiums – these are mandatory in Alabama and your premiums depend on many variables: such as car type and age of driver as well as credit score/driving history/etc. However, choosing appropriate coverage and shopping around could save money!
As part of our efforts to help Alabamans find the best car insurance, we analyzed thousands of quotes from top providers. Below is an example from one such provider based on an example driver with excellent credit and driving a 2015 Honda Civic EX. Minimum coverage policies only provide minimum liability limits while full coverage policies provide both collision and comprehensive protection – it depends on what value your car holds and how often you drive it whether or not additional protection may be worthwhile.
Your driving history plays a key role in your Alabama car insurance rates, with at-fault accidents or traffic violations increasing them significantly. Furthermore, DUI convictions will increase them even more; but by being an ethical driver over time you can build up a better record and bring down rates gradually.
Your location in Alabama can impact your auto insurance rates, as will how and where you park at night. Cities with high traffic levels and more frequent collisions will have higher premiums than ones with reduced congestion and no parking restrictions or restrictions limiting how often cars may be parked overnight.
Your credit rating has an enormous effect on Alabama car insurance, as most carriers use it to gauge risk profiles. Drivers with excellent credit pay less, while those with poor ratings pay more; in Alabama alone, rates for drivers with poor ratings could increase 2.28x in comparison with drivers who possess excellent scores.
Your vehicle’s make and model play an integral role in your Alabama car insurance rates. Luxury models tend to be more costly to repair or replace and have higher theft rates; adding safety features can reduce premiums; however, you will need to carefully balance this against their costs.
Your Alabama car insurance rates depend heavily on the policy type you purchase. Full coverage plans typically cost more than minimum liability ones, with medical payments and uninsured/underinsured motorist coverage increasing even further in cost. Incorporating roadside assistance or towing services also raises rates significantly – selecting one with affordable premiums should usually be your go-to decision.