From fender benders on the Ross Clark Circle to major collisions on US 84, car accidents can happen to anyone in Dothan. Even the most careful drivers are at risk. But with a reliable car insurance policy, you can have peace of mind. Car insurance protects you from the costs of auto accidents that you cause. And certain policy options can also protect you if your car is damaged by falling objects, theft, or vandalism. Car insurance can sometimes be confusing, but a local independent insurance agent can help you find the best policy for your needs and budget.
Alabama Car Insurance Requirements
If you own a vehicle in Alabama, you are required to purchase auto insurance. Each state has certain minimum requirements for auto insurance. In Alabama, you must have the following coverage in order to comply with the law:
- 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 this may seem like great coverage, a minimum-coverage policy may leave you seriously underinsured. If you cause a major collision, you will have to pay out of pocket for all of the expenses that exceed your coverage limits. These expenses can include medical bills for other drivers and passengers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence.
That is why many Dothan drivers purchase liability coverage limits that are higher than the state requirement. If you want even more liability protection, you can purchase umbrella insurance, which offers protection beyond the limits of your auto insurance policy. An independent agent can help determine how much liability coverage is necessary to adequately protect you and your family.
How Much Does Auto Insurance Cost in Dothan, Alabama?
Alabama is the 22nd most expensive state for car insurance. Car insurance costs in Alabama are similar to the national average but are higher in Dothan. Shopping around for the best rate and taking advantage of discounts can help you save.
- National average annual car insurance cost: $1,311
- Alabama average annual car insurance cost: $1,320
- Decatur average annual car insurance cost: $1,572
Every insurance company charges somewhat different rates, and you definitely won’t pay the same as your neighbor. Car insurance rates are based on individual characteristics that help the insurance company determine how likely you are to file a claim. Your rates are based on factors such as:
- The year, make, and model of the vehicle(s) you are insuring
- Your age, marital status, gender, and driving record
- Your credit score
- The deductibles and coverage limits that you choose
- Whether you own or rent your home
- The auto theft rates in your city or zip code
Independent agents in Dothan make comparison shopping easy. An independent agent can obtain quotes from multiple insurance carriers, so you can compare costs and coverage and make the best choice for your needs.
Number of Uninsured Motorists in Alabama
Driving without insurance is against the law in Alabama, yet many drivers continue to drive without coverage. Uninsured drivers in Alabama face a $200 fine for the first offense, $300 for the second offense, and $400 for the third and any subsequent offenses. Failure to pay the fine will result in a suspended license. Alabama has the 6th highest percentage of uninsured drivers in the US.
- How many US drivers are uninsured? 13%
- How many Alabama drivers are uninsured? 18.4%.
Uninsured motorist coverage is required in some states, but not in Alabama. But without it, you could be in serious peril, especially with a large number of uninsured drivers on the road. Uninsured motorist coverage provides immediate reimbursement for your vehicle damage and medical expenses if you are in an accident that is caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will attempt to collect the funds from the at-fault driver—a time-consuming and often unsuccessful process. If they cannot collect, the insurance company absorbs the costs, instead of you.
Number of Auto Thefts in Alabama
The auto theft rate in Alabama is lower than the national average. Vehicles in Dothan are relatively safe from theft, but each year, 164 cars are stolen in the city, on average. Dothan drivers cannot ignore the threat of car theft. While you should always lock your car and park in safe, well-lit places, you may still be a victim no matter how careful you are.
- National auto theft rate per 1,000 vehicles: 2.28
- Alabama auto theft rate per 1,000 vehicles: 2.68
- Dothan auto theft rate per 1,000 vehicles: 2.40
If your car is stolen or vandalized, your comprehensive coverage will reimburse you for your lost or damaged car. It also helps you pay if falling objects, floods, structure fires, or other hazards cause damage to your car. If you have a car loan, you’ll probably be required to purchase comprehensive coverage until your loan is paid in full. Talk to a local independent agent about comprehensive coverage, and how it can help you in a variety of unfortunate situations.
Why Contact an Independent Insurance Agent?
Independent insurance agents are insurance professionals who can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice.
Start your search by contacting an independent insurance agent in your city.
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