Alabama car insurance calculator is an invaluable resource that enables drivers to estimate how much money they’ll pay in annual premiums for different coverage options. It takes into account various factors relating to each driver, including age and location as well as coverage level and driving history. Furthermore, this tool offers a list of top car insurers as well as their annual rates for full and liability-only policies.
Alabama car insurance costs are lower than their national counterpart. On average, drivers in Alabama spend $478 annually for full coverage car insurance; that compares with $2,014 nationwide. Of course, individual rates depend on many different factors so finding the most cost-effective policy can be challenging.
Other key factors affecting Alabama car insurance costs beyond driver age and driving record include vehicle type and the driving habits of other policy holders. For instance, adding a teenage driver can increase rates up to 2.28x; insurers must account for this increased risk when setting their rates.
Car make and model can have an effect on the cost of car insurance in Alabama, as certain models require more repairs or have higher replacement values than others. As such, luxury cars tend to incur significantly higher car insurance costs than sedans while sports cars may cost twice as much for coverage compared with SUVs or mid-range cars.
Selecting an adequate liability limit is also key, as this will cover other parties’ medical bills and repairs in the event that an accident is your responsibility. A higher collision and comprehensive deductible may help decrease monthly premiums; drivers can save by bundling multiple policies (home or life insurance policies) with one provider.
Alabama car insurance providers provide affordable coverage options to drivers regardless of driving history and vehicle type. Allstate and GEICO offer competitive rates to those with tickets or DUIs as well as those involved in accidents or have serious speeding violations on their records, while USAA and State Farm also score highly for affordability, customer service satisfaction and overall value for customers.