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Auto Insurance Information
Auto Insurance in Birmingham AL, Tuscaloosa AL, and Mobile AL
Your Alabama Auto Insurance Provider
Driving is dangerous, and in Alabama, there were more than 159,000 vehicle crashes in 2018. In fact, it is estimated by the Alabama Department of Transportation that one in three drivers have a chance of being involved in a crash that causes injuries or fatalities during their lifetime.
It’s imperative that you can always protect yourself from the risk of these accidents. The best way to do so is to buy car insurance. Just like wearing a seat belt, car insurance protects you if accidents occur, and it can instrumentally lower how much you have to pay for your accident costs and other losses.
To get the auto policy that is right for you, let Alabama Insurance Agency be your guide. Our expert agents are committed to helping every customer create a far-reaching policy portfolio that always protects them to their benefit.
Call us at (205) 776 – 1680
or request your free, no-obligation quote online now
What is car insurance?
You never know when you might have a wreck or if another hazard might damage your vehicle. However, you probably can guess that the ramifications of these problems could be extremely costly. Car insurance is designed to help you cover these costs. When you buy a policy, you can rest assured that it will make the costs of accidents and other losses much more affordable. That way, you can get behind the wheel knowing that you will have help available in case of any unforeseen problems.
How much car insurance do I need?
By law, Alabama requires registered drivers to carry the following minimum levels of car insurance:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
You have to carry this coverage because Alabama is an at-fault insurance state. This means that if you cause a wreck, then you must pay for the damage you cause to third parties (I.e. other drivers, their passengers, pedestrians or others). Liability insurance will pay for these third-party losses.
But don’t stop there. You should carry more expansive coverage than just the minimum, and our agents are here to help you design a policy to your benefit. Practical coverage to add to your policy includes:
- Higher liability coverage limits
- Uninsured/underinsured motorist coverage
- Collision insurance
- Comprehensive physical damage coverage
- Roadside assistance benefits
- Rental car reimbursement
- Gap insurance
- Medical payments coverage/Personal Injury Protection (PIP)
The more coverage you have, the better the assistance you might be able to receive from your auto policy. After all, your goal for your policy should be to minimize the cost of accidents for all of those involved. A tailored policy is the best way to do so.
How can I make a claim on my policy?
To successfully make a claim on your auto policy, you will have to see if your plan covers the accident and damage in question. It will only cover vehicle damage and injuries resulting from unpreventable, unavoidable accidents. Therefore, intentional damage or regular maintenance will not have coverage.
Your policy will also stipulate how much it will pay for claims. Some of the terms that might apply are:
- If you do not have collision & comprehensive damage coverage on your policy, then you will have no coverage for damage to your own car.
- Your plan might not pay for damage to special features or accessories without an added policy endorsement for the customizations.
- Plans will include deductibles, and if the cost of damage falls below the deductible cost, then your plan will not pay. For example, if you have a $500 collision deductible, and your vehicle sustains only $300 in damage, then your plan will not pay.
- If you total your car, then your plan might settle with you based on the car’s actual cash value (ACV). This is the car’s used value. To get coverage for the car’s replacement value, then you will likely need to ask your agent to add an endorsement to your policy.
- Your plan will only pay for liability claims up to its limits. To receive additional liability coverage beyond your standard limits, consider investing in an umbrella liability policy.
What will my auto insurance policy cost?
There are numerous factors that might influence your car insurance premium. These might include:
- Your car’s age and value
- The number of miles you drive per year
- Your credit score
- Your chosen policy limits and deductibles
- Where you live
- Your driving record and the records of other drivers on the policy
- Your history of insurance claims
Generally, the more operating risks you pose to your clients, the more your policy will cost. However, your agent is more than happy to help you review your coverage options and determine which plan is to your greatest benefit, both in terms of coverage and costs.