Alabama, the heart of Dixie, is a state known for Southern hospitality, college football Saturdays in Tuscaloosa and Auburn, and the pristine beaches of the Gulf Coast. Residents also enjoy the U.S. Space and Rocket Center and playing golf year round on the Robert Trent Jones Golf Trail. Alabama has 335 Trusted Choice® agents, ready to help you protect your finances from all the risks you face.
Each local agent can compare hundreds of insurance companies, coverage options and rates. Contact an Alabama Trusted Choice agent to find car, home, life, health, business, boat, and many other Alabama insurance quotes.
What's the difference between an independent agent and a captive agent? Captive agents are obligated to one insurance company, but independent agents can go to almost any insurance company to find the insurance coverage you need at a price you can afford. Captive agents are locked into the offerings and prices offered by their employer. With a captive agent, you are stuck with one company and one price, while an independent agent can give you more coverage and pricing options.
Independent agents work for you, not an insurance company, and can compare Alabama insurance quotes from many different insurance companies and help you to find the best coverage for your specific needs and budget.
In an average year, Alabama drivers have almost 124,000 traffic accidents. Nearly 28,000 of the crashes result in injuries, and over 95,000 cause property damage. Over 800 of the car wrecks lead to fatalities.
The roads are risky and that's why all states require that motorists carry certain types of car insurance and coverage limits. Alabama state law mandates that all motorists in Alabama have liability insurance for no less than the following amounts:
Auto liability pays claims to others if you cause an auto accident in which someone else is injured, dies or has their property damaged. Most insurance professionals and financial experts agree that most drivers need to insure vehicles for more than the state minimum coverage limits. They also recommend more extensive auto coverage than just liability. Here are the protections you need to be fully covered:
Alabama has a homeownership rate of nearly 73 percent. If you're a local homeowner, you need to make sure you have homeowners insurance that protects you from all the risks of homeownership. Here are some of the risks a standard policy covers:
Your homeowners policy covers events like fire, water damage from broken pipes, strong winds, hail, and burglary. It does not cover special catastrophes like earthquakes and floods. You can purchase coverage for these events separately.
Alabama has over 77,000 small businesses with less than 500 employees, 2,350 large businesses with more than 500 employees, and 223,000 self-employed individuals. Most of these businesses need some type of business insurance to cover their risks.
If you're a business owner, here are some of the coverage options you should consider:
Trusted Choice agents write more business policies than any other brand. A local agent can customize your policy to get maximum coverage and discounts.
You want to make sure your family is taken care of. Life insurance is the best way to accomplish that goal. In your absence, it can provide your family the same standard of living, the financial resources to pay for college and money to payoff your mortgage.
There are different types of life insurance and the one you use will be determined by your financial situation, goals and life insurance strategy. You may need a less expensive term life policy to cover you for a certain number of years, or you may require a permanent life policy to cover you for the rest of your life. In either case, it is best to purchase life insurance now, as rates only increase with age.
Alabama residents spend over $6000 a year per capita for medical expenses. Your health insurance makes a big difference in the amount you pay for your medical expenses. The right coverage can save you thousands of dollars a year. But health insurance can get complicated as you work through all your options.
Do you need the flexibility to choose your doctor even if it is a little more expensive? A PPO might be your best option. Or do you need to save money even if your doctor choice is limited? If so, you might like an HMO plan. Do you have savings, so you can afford to pay a high deductible if necessary? An HSA might be right for you.
A local agent can help you work through your questions and options. You might qualify for income-based premiums with the new healthcare laws. Also, since the Affordable Healthcare Act, you should be able to purchase health coverage, even if you were denied in the past.
With many major rivers, lakes and the Gulf of Mexico nearby, Alabama locals have lots of opportunity to hit the water for fishing, water skiing or simply relaxing on a lazy summer day. To get the most out of your boating adventures, you need to have the proper boat insurance in place. Similar to a car insurance policy, boat insurance covers your boat, equipment and others when you are on the water.
You can set up liability coverage in case you are at fault in an accident. In addition, you can cover your passengers with passenger liability coverage. If you have expensive fishing or sporting equipment on board, you can add that to your normal property damage so that both your boat and equipment are protected. Some other popular coverage options can cover towing, wreckage removal, pollution liability and more. If you insure your boat and car through the same company, you could qualify for a significant discount.
Now Alabama residents can get quotes for any kind of coverage they need. One of the 335 Trusted Choice member agents can provide life, health, car, homeowners, business, boat and many other types of Alabama insurance.
Independent agents can compare hundreds of insurance companies, coverage options and rates to find you the coverage you need at a price you can afford. Contact an agent near you, for Alabama insurance quotes.