Alabaster Car Insurance

Your Complete Guide to Alabaster, AL Car Insurance

Find the right car insurance policy for you.

Anyone can be in a car accident, even if you are a conscientious and careful driver. And the roads in the suburbs of Alabaster, AL are busy at any time of day. That’s why Alabaster drivers need car insurance. Your auto insurance policy can help you pay to repair your car after an accident. And if you’re at fault, it can help you reimburse other drivers for any vehicle damage or injuries that you caused. 

An independent insurance agent can help you find the best policy for your needs. Independent agents can work with multiple insurance companies to get you customized quotes, so you can be sure you are getting the best coverage at the best price. 

Alabama Car Insurance Requirements

Each state in the U.S has its own requirements for auto insurance. Drivers typically must purchase a minimum amount of liability coverage to comply with the law. In Alabama, the minimum car insurance requirements are:  

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage

While it might seem acceptable (and less expensive) to simply purchase a policy that only meets Alabama’s minimum liability coverage requirements, this is usually not the best choice for most drivers. The state’s minimum requirements may cover damage from minor accidents, but if you’re in a serious accident involving multiple cars and injuries, a minimum-coverage policy will likely leave you seriously underinsured.

You could find yourself paying out of pocket for everything that your policy does not cover. If you are sued, the financial consequences can be devastating. You can obtain more adequate coverage by purchasing higher liability insurance limits. And you might want to consider a personal umbrella insurance policy, which offers coverage for damages that are above the limits of your auto insurance policy. An independent agent can help you decide what coverage limits are best to protect your assets.

How Much Does Auto Insurance Cost in Alabaster, Alabama?

Alabama is the 22nd most expensive state for car insurance. Car insurance costs in Alabama are similar to the national average and are slightly higher in Alabaster. If you want to save on car insurance in Alabaster, it’s important to compare multiple quotes. 

  • National average annual car insurance cost: $1,311
  • Alabama average annual car insurance cost: $1,320
  • Alabaster average annual car insurance cost: $1,463

These are only estimates of what your Alabaster car insurance might cost. Everyone’s rates are a little different because car insurance premiums are based on several factors that are unique to you. Your car insurance rates are influenced by your individual characteristics, which help insurance companies predict how risky you might be as a driver. These factors include: 

  • The make, model, and year of your vehicle(s)
  • Your age, gender, marital status, driving history, and even your credit score
  • Whether you own or rent your home
  • The estimated number of miles you drive annually
  • The accident and auto theft rates in your zip code or city

Most insurance companies offer numerous discounts to help you keep costs down. Bundling your home insurance or renters insurance with your auto insurance is one way to earn a discount from most insurance companies. An independent agent in Alabaster can help you obtain quotes from multiple insurance companies so you can compare coverage and rates. 

Number of Uninsured Motorists in Alabama

Driving without insurance is against the law in Alabama, yet many drivers continue to drive without coverage. In fact, Alabama is ranked 6th for the most uninsured drivers in the US. 

  • How many US drivers are uninsured? 12.6%.
  • How many Alabama drivers are uninsured? 18.4%.

With this many uninsured drivers, it is essential that you purchase uninsured motorist coverage. If you are in an accident that is caused by an uninsured driver, you may have to pay for your vehicle damage and medical bills on your own. Uninsured motorist coverage ensures that you have protection from uninsured and underinsured drivers. It is not required in Alabama, but going without it may be a serious mistake.

Number of Auto Thefts in Alabaster

The auto theft rate in Alabaster is quite low. In fact, it is lower than the national average and lower than Alabama overall. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Alabama auto theft rate per 1,000 vehicles: 2.41
  • Alabaster auto theft rate per 1,000 vehicles: 0.58

This is great news for Alabaster drivers, as your risk for auto theft is quite low. But remember, auto theft can still happen anywhere. If you want coverage for your vehicle, be sure you select comprehensive coverage, or you will not be reimbursed for a stolen or vandalized car. While comprehensive coverage is optional, your lender may require you to have it until your car loan is paid off. And comprehensive insurance covers more than just theft. It also reimburses you for repairs if your car is damaged by falling objects, floods, structure fires, and more.  

Why Contact an Independent Insurance Agent?

Drivers in Alabaster can work with local independent insurance agents to find the right auto insurance. Independent agents can work with multiple insurance companies so you can compare quotes and choose the best policy for your needs and budget. 

Find an agent in or near Alabaster to learn more. 

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