Daphne Car Insurance

Everything You Need to Know About Car Insurance in Daphne, AL

Find the right car insurance policy for you.

Located on the eastern shoreline of Mobile Bay, Daphne, AL is an ideal place for families to live in and vacationers to escape to. With a strong Native American history, the town of 23,633 has seen its fair share of both cultural and weather-related turbulence. A short 11 miles from the city of Mobile and right along I-10, Daphne has to contend with plenty of traffic jams and congested roadways.

You need comprehensive and affordable Daphne auto insurance to combat against reckless drivers and unforeseen scenarios. Independent Insurance Agents are here to review your needs, find the right coverage and get you on board with an affordable policy so you can feel comfortable behind the wheel, with your family in tow.

  • National average cost per year: $1,311
  • Alabama average cost per year: $1,320
  • 22nd most expensive auto premium in the U.S.

Alabama drivers encounter an average of $4,070,408 in losses from accidents, break-ins and "other than collision" damage. The only way to combat these various risks is with the proper auto insurance. Your Foley car coverage should be all-encompassing while taking your budget into consideration. A reliable agent will take specific factors such as your car's age and model and your driving history to find a policy that works for you.

Alabama Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/25

As an Alabama driver, you're required to have a minimum coverage of up to $25,000 for an individual injury, $50,000 total for all injuries and $25,000 for property damage. But an accident can easily set you back even further when you account for property damage and medical costs. Consider getting coverage with higher limits so you don't have to pay out of pocket. It's easy to get set up with comprehensive Daphne auto insurance when you partner with an independent insurance agent.

Number of Uninsured Motorists in Alabama

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Alabama drivers: 19.6%

The Cotton State sees an overwhelming number of uninsured or underinsured drivers. But do you know if your current auto insurance covers damage from these careless drivers? If not, you need to talk with an agent. Collecting compensation from uninsured motorists can be extremely difficult, but the proper policy gets you the money you deserve if an accident happens. 

Number of Auto Thefts in Alabama

  • National number of thefts per 1,000 vehicles: 2.94
  • Number of thefts per 1,000 vehicles in Alabama: 2.10

Luckily, Alabama sees lower-than-average auto theft rates — but a burglary can happen without warning. It's a good idea to park under street lights and hide possessions in the trunk, but the only way to have 360 degrees of protection is with the right car insurance policy. You won't stress when it comes to window repairs or compensation for stolen jewelry when you team up with an agent.

Find a Great Daphne Car Insurance Policy

Are you ready to find the most comprehensive and affordable Daphne car insurance on the market? Independent insurance agents will assess your unique risks and find a policy that works for you. You'll even have numerous insurance quotes to choose from that fit within your budget range. 

Contact your local agent today to get started.

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