For example, Geico offers the cheapest rates on. GEICO has the cheapest average fare in Alabama. But the actual costs of auto insurance depend on several factors, including age, coverage amounts, credit score, and driving history. For example, GEICO offers the cheapest rate for drivers with bad credit and those who want more coverage, but Allstate is the most affordable option for drivers with at-fault accidents.
USAA is the best option for military families as it offers the cheapest rates. While GEICO ranks as the second cheapest total coverage provider for drivers with a clean record, Allstate often offers better rates for DUI drivers. MoneyGeek analysis shows that in Alabama, the cheapest car insurance for young drivers aged 16-25 is GEICO. The biggest downside to paying for car insurance on a monthly basis is that it's almost always more expensive than paying in full for six or 12 months of coverage up front.
Some Alabama insurance companies charge a little more for monthly premiums, and there may also be payment processing fees. Most car insurance companies also offer discounts for customers who pay in advance. For example, Alabama drivers with two accidents in their claim history see their rates increase by an average of 91%. If you are convicted of DUI, you will see an increase of about 54%.
And if you're caught going more than 20 MPH over the speed limit, expect your fares to go up by 23% on average. Factors that don't drive, such as your age, location, insurance history, credit score, and vehicle, can also affect how much more high-risk car insurance costs in Alabama. If you are caught driving without insurance, the coverage span alone could increase your premium by 21%. If you don't have credit, you can expect to pay about 71% more than drivers with excellent scores.
Other than that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. Ideally, you should check your rates every 6-12 months, when you renew your policy. But at the very least, be sure to check your record and look for rates every three or five years, as you may be able to get a lower rate if a traffic violation does not make it to your record. Geico and Country have the cheapest car insurance in Alabama for young drivers, among the companies we looked at.
The USAA also offers competitive rates to veterans, the military and their families. By comparing auto insurance quotes from different companies, you can find the best rates within the state. However, high-risk drivers in Alabama should be able to find suitable car insurance options after comparing prices. The best subprime auto insurance companies in Alabama are Nationwide, Alfa and State Farm because they are financially sound and have few customer complaints.
All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as approval of coverage, premiums, commissions and charges) and policy obligations are the sole responsibility of the insurer. Your car insurance rate is likely to go up if you get a ticket for speeding or distracted driving. Insurance companies always increase rates after a DUI conviction because a DUI tells insurance companies that you have a higher risk of insuring than someone without a DUI. To identify the cheapest car insurance in Alabama, Bankrate analyzed Quadrant Information Services' quoted annual premium data.
State laws govern the amount of insurance coverage drivers must carry, and no-fault laws affect insurers' risks. Finding the cheapest car insurance companies in Alabama is possible, whether you're looking for car insurance with minimum or full coverage. Check with your car insurance company to see if they have a mobile app that allows you to show an electronic identification card. Searching for cheap car insurance quotes with multiple insurers is the best way to find lower rates.
Getting a full coverage policy in Alabama gives you access to higher liability limits, as well as comprehensive and collision insurance coverage that protects you against most traffic accidents and off-highway incidents. Car insurance companies often consider factors such as your vehicle model, driving history, past insurance claims, and more when setting your rate. Visit NerdWallet's guide to car insurance requirements by state for more details on how your car policy's mandatory and optional coverages work. .