Do you live in the most populous city of Alabama, Birmingham, and looking for cheap car insurance in Birmingham, AL? In this article, I am sharing useful tips and tools regarding Birmingham auto insurance. Most people don’t have enough knowledge about Insurance companies, and as a result, they pay a huge amount to get an insurance policy for their vehicle. Please note that we are not an insurance company, nor do we promote any insurance company in Birmingham, AL. The purpose of this article Cheap Car Insurance in Birmingham, AL, is to give the reader an idea about how much people pay with car insurance, companies that have the cheapest car insurance, etc. The residents of Birmingham, Alabama, can get and find the best deal for their auto insurance. However, different companies have different types of insurance policies. That is the reason that rates, products, and services may vary from company to company. And choosing the best company remains a difficult job. Therefore, when you need to select an auto insurance company in Birmingham. You have to make a comparison among different companies.
Another big mistake that people commit while selecting an auto insurance company is to keep the price as one of the deciding factors. Although prices matters, if you focus on the only price, you will miss quality services from the best auto insurance companies in Birmingham, AL, and you will not get what you need. Due to this misconception, most people show car insurance by price alone. The problem with this is that only using price as your only criteria will increase the likelihood of not getting everything in your policy that you need. It is worth mentioning that affordable auto insurance has its own importance. And it is our good luck that a lot of auto insurance companies offer services in the Birmingham, AL area. Each company in the city offer different type of services and coverage types. You can get multiple incentives and discounts from each one. Therefore, comparing each company’s products, services, discounts, and offers will help us to get cheap car insurance in Birmingham, AL. Besides this, we will also discuss different factors that affect your insurance rates. And will try to discuss do’s and Don’ts for car insurance. So that you get quality service at low rates, so stay with us. We are here to start with our next important topic of car insurance. Also inform us, whether you found this article helpful or not. We will be happy to know to see your feedback.
The Best Cheapest Birmingham AL Car Insurance Companies
It requires intensive homework to get cheap auto insurance in Birmingham, AL, from the best car insurance companies in Birmingham, AL, as these two factors are inversely related. Low-rank insurance companies can offer you cheap insurance. But the quality of service will not be enough. On the other hand, if you go for the best car Insurance company, you will not be able to get lower rates from them. So you will need in-depth research and thorough research on Birmingham car insurance so that you can get the Best Cheapest Birmingham AL Car Insurance Companies.
Different type of coverages is available in Birmingham. You can get full access to collision and comprehensive coverage by getting a full coverage policy. These types of coverages in Birmingham offer you ultra-protection against road accidents. However, buying full coverage is expensive and not affordable for everyone in the city of Birmingham.
To lower insurance-related expenses, some people or drivers buy minimum liability coverages. It can lower the insurance cost as well as protect themselves against expenses due to car damages. There are different best insurance companies in Birmingham, Alabama that offer cheap car insurance to drivers. We carried out intensive research on Birmingham auto insurance and listed down the best car insurance companies in Birmingham, AL. It is worth mentioning that the list below consists of different insurance companies. But we do not aim to promote them in Birmingham. Nor are we an insurance company. The only purpose of this article is to guide people, how much they pay for car insurance in Birmingham. And how they can lower their insurance cost by adopting different techniques.
| Rank | Company | Annual Payment |
| 1 | Erie | $861 |
| 2 | Geico | $978 |
| 3 | Country Financial | $1,195 |
| 4 | ALFA | $1,237 |
| 5 | State Farm | $1,298 |
| 6 | Progressive | $1,369 |
| 7 | Safeco | $1,472 |
| 8 | Travelers | $1,563 |
| 9 | Liberty Mutual | $1,641 |
| 10 | Auto-Owners | $1,689 |
| 11 | MetLife | $1,765 |
| 12 | Allstate | $1,892 |
| 13 | National General | $1,961 |
| 14 | Farmers | $2,163 |
The table above consists of 10 different companies that offer cheap and best car insurance in Birmingham, AL. By comparing rates and services of each company, we have listed down these companies in ascending order by price. Please note that mentioned rates and figures are not final. They may be subject to change. So use these prices and figures just for research and estimation purposes. The actual rates may vary.
There are different factors through which you can lower insurance rates in Birmingham. This includes age, gender, marital status, driving record, and other factors. You can get lower insurance rates and more discounts by maintaining a good driving record. You can save a lot in the form of Auto insurance. We will also discuss the listed companies in detail to know more.
Birmingham AL Average Cost Of Car Insurance
The average cost of car insurance varies from state to state as well as the city. The same is the case for Birmingham, AL, If we talk about the state, i.e., Alabama. The average cost of car insurance is $1,235. In comparison, Birmingham, as one of the populous cities of the state, also has the same average rate of $1,235 for one year. Suppose we compare this rate with the National average. It is far lower than the national average, as the U.S Average insurance cost is $1,439, which is almost 14.3% lower than the national average. As compared with the national average, Birmingham’s annual rate is 14.3% less.
Birmingham Auto Insurance Requirements
Normally a basic insurance coverage pays for property damages, Personal injuries. Similarly, it also includes pedestrians and passengers getting injuries during an accident caused by an insured vehicle. Also, a basic minimum liability coverage makes you eligible to drive your vehicle in Birmingham city.
According to Alabama State Auto insurance law, a vehicle owner must have the following mandatory coverages. The minimum required amount of liability insurance coverage in Birmingham is as below.
- For Single Person, Bodily injury liability is $25,000 per person injured in an accident you cause. It means that if a single person gets injured in an accident. The amount will be $25,000
- In case when there are two are more people injured in an accident that you cause. The limit of Bodily injury liability will be $50,000
- In case of property damage, an amount of $25,000 will be paid in the form of minimum liability during an accident.
The above-mentioned rates are for basic minimum liability coverage. To add more protection and get more benefits from insurance companies, you can buy extra coverages. When your ca adds extra coverages, you can get more relief in the form of vehicle damages and other injuries during an accident. While f you stick to a single policy, you will not be able to get quality results.
Most people ask a common question. Well, they will get the same benefits if sum one else driving their vehicle. So let me clear to you that. In Birmingham, AL, if someone else is driving your vehicle, it may be your family member or someone whom you give permission to drive. Still, they can get the same protections, discounts, and policy rates. Although Birmingham car insurance, you have to provide proof of insurance and evidence to any officer on duty.
It is worth mentioning here that, in Birmingham, when you get personal injuries during an accident. Your insurance policy will not be able to protect you. The same is the case for your own vehicle damages. To ensure your personal vehicle protection and cover your personal injuries in Birmingham, you will have to buy additional insurance coverage. This may include MedPay or Personal Injury Protection (PIP) coverage. Suing this coverage, you can protect yourself and your vehicle from injuries and damages caused to your vehicle. And hence these coverages can pay for personal injuries, Collisions, or damages caused to your vehicle as per policy if you are looking for this. There are the best car insurance companies in Birmingham, AL, that offers these packages.
How to Get Cheapest Car Insurance Quotes In Birmingham AL?
Suppose you are looking for cheap car insurance quotes in Birmingham. We suggest completely read this article. We have collected valuable information regarding car insurance in Birmingham. And we are sure that after reading this article, you will be able to get affordable car insurance quotes from Birmingham, AL, for your vehicle. Some common tips and tricks for getting cheap auto insurance in Birmingham, AL, are listed here. The first of them is maintaining a clean driving record. A clean driving record in Birmingham means avoiding driving infractions. Such as speeding tickets, at-fault accidents, or driving under the influence of drugs. When you commit these infractions, it will last for at least three to seven years in the Birmingham traffic police database. And it is clear that insurance companies in Birmingham award insurance policies to low-risk drivers. They will check your record before awarding any insurance policy, and drivers with clean and good records can get a lot of discounts and the lowest insurance rates.
Besides this, there are a lot of other techniques through which you can lower your insurance rates and get discounts from the best auto insurance companies in Birmingham, AL. We are discussing it in detail.
Consider Switching Auto Insurance Providers
As discussed earlier, that auto insurance companies use different approaches to calculate insurance premiums. That is the reason that the prices and cost of each company differ.
Rent from each other. When you select a company, you select it on the basis of some qualities. But the insurance rate for the company you attached with does not remain the same for a long time as there are chances of accident, speeding ticket, or any other infraction on your side in the record. And these factors increase the insurance rate by many times. So get Cheap Car Insurance Quotes in Birmingham, AL. We suggest switching auto insurers after a specific duration. As with the passage of time, other companies offer cheap rates as compared to your parent company. So before you detach yourself from the existing company. Get quotes from other insurance companies. And if you find any company that offers cheap or affordable car insurance quotes, Birmingham, AL. Switching auto insurance companies can save you a big amount in the form of insurance costs.
Ask about discounts
Another way to get lower insurance rates is by asking about discounts from your company. Different companies in Birmingham offer different types of discounts to their customers. You can get different discounts in the form of:
- Receiving documents online.
- Bundling your car insurance with other policies, such as home insurance, etc.
- Insuring multiple vehicles with one policy.
- Maintaining a clean driving record.
- Paying the whole insurance cost in one installment. Or Paying bi Annually into Birmingham Auto insurance companies.
- Installing anti-theft or safety features in your vehicle.
- Claiming discount for being part of professional organizations or affiliate groups.
- Presenting other companies discounts to your company and ask for the same.
Purchase A Vehicle That Is Cheapest To Insure
Another way to get affordable car insurance quotes in Birmingham, AL, is to ensure a cheap vehicle because the expensive vehicle is costly to insure. In comparison, low-cost vehicles are cheap to insure. The reason behind this is different related costs, like repair cost, damages, theft, and the replacement of the whole vehicle. Similarly, ensure that vehicles, having less horsepower rating because chances of high horsepower motor in accidents involvement are more.
Opt for Less Car Insurance Coverage
Sometimes buying a minimum liability or buying low rate insurance coverage lowers the cost of insurance. However, if you buy minimum coverage insurance in Birmingham, there are different associated risks. Like if you involve in a fault accident or hit by an uninsured driver. Then the expenses may go beyond your limit as you have to pay for the damages, injuries from your own pocket.
Maintaining a Clean Driving Record For Several Consecutive Years
You can lower or reduce your insurance cost by maintaining a clean driving record. A clean driving record in Birmingham means avoiding driving infractions. Such as speeding tickets, at-fault accidents, or driving under the influence of drugs. When you commit these infractions, it will last for at least three to seven-year in the Birmingham traffic police database. And it is clear that insurance companies in Birmingham award insurance policies to low-risk drivers. They will check your record before awarding any insurance policy, and drivers with a clean and good record can get a lot of discounts and the lowest insurance rates. Below are some tips that will help you to maintain a clean driving record.
- Following traffic laws
- Never drive under the influence of drugs or alcohol.
- Spend less time behind the wheel as long as you reduce the driving time on the road. The less will be the risk of crashing or being cited for a traffic offense.
- Maintain your car or any vehicle that you drive as it will reduce your risk of crashing.
Increase Your Deductibles
During the process of insurance selection, you choose the deductible amount. It is the amount that insurance companies charge from customers while picking a vehicle during an accident. The range of this amount is from $250 to $1000 in Birmingham, AL. The deductible amount is directly related to the insurance rate. The higher the deductible amount. The less will be the insurance rate. And if the deductible amount is less, the customer will have to pay a high amount in the form of insurance costs. So another way to Get Cheap Car Insurance Quotes in Birmingham, AL, is to increase the deductible amount. You can get cheap auto insurance in Birmingham, AL, by increasing your deductible amount.
Birmingham AL Car Insurance For Drivers With A Good Record
Anyone with a clean driving record can get cheap car insurance in Birmingham, AL. It is the best way to get top-quality services in Birmingham with low rates. When you have a clean driving record, it proves that you avoid distractions, follow the rules, and secure driver. And insurance companies don’t hemstitch to award policies to good drivers.
The infraction remains on record for more than three years. So if you are not involved in an accident, you can get low insurance premiums as compared to other drivers with bad driving records. In Alabama, you can get three different types of packages if you are a good driver.
- State minimum coverage: It is the type of coverage that you will need to drive a vehicle in the state of Alabama. Sometimes we call it Minimum liability coverage.
- Standard coverage: It is the state of Alabama minimum coverage equipped with collision coverage. Standard coverage can protect you in case of collision.
- Full coverage: Full coverage insurance is the combination of state minimum coverage, standard coverage, as well as collision coverage. Full coverage offers you ultra-protection in case of an accident. however, the cost of insurance may be higher and not affordable by everyone
Our team did extensive research on Birmingham car insurance. And compare rates for full coverage for the best car insurance companies in Birmingham, AL. You can check it in the table listed below. Please note that we are not an insurance company, nor do we promote any insurance company in Birmingham, AL. The purpose of this article Cheap Car Insurance in Birmingham, AL, is to give the reader an idea about how much people pay with car insurance and companies that have the cheapest car insurance, etc.
| Insurance Company | Full Coverage |
| Progressive | $1,762 |
| AAA | $1,851 |
| Amica Mutual | $1,956 |
| 21st Century | $2,165 |
| Auto-Owners | $2,289 |
| Nationwide | $2,371 |
| State Farm | $2,486 |
| American National | $2,289 |
| Erie | $2,345 |
| Allstate | $2,389 |
Progressive is the company that offers the cheapest full coverage to drivers in Birmingham. The annual cost for full coverage is $1,762. The net company offering cheap insurance rates is AAA, with an annual payment of $1,851. Amica Mutual is at number third with an annual payment of $1,956. These three companies offer annual insurance costs of less than $2,000. In comparison, the remaining companies on the list are charging annual payments of more than $2,000 in the form of insurance costs.
Birmingham AL Cheap Car Insurance Quotes For Young Drivers
Young drivers in Birmingham are those drivers whom age ranges from 17 years to 20 years. As we study in our previous articles, Young drivers are less stable and are lack experience. Hence Insurance companies in Birmingham, AL, consider them risky. And Insurance companies charge risky drivers more. And that is the reason that insurance companies charge young drivers $6,156 per year for full coverage in Birmingham, AL. If we compare this rate, it is almost three times higher than the insurance cost of an adult driver.
However, after thorough research on Birmingham car insurance, we have prepared a list of the best auto insurance companies in Birmingham, AL that offer cheap car insurance Birmingham AL for young drivers.
| Company | Annual Payment |
| State Farm | $1,861 |
| Allstate | $1,947 |
| Nationwide | $2,165 |
| Auto-Owners | $2,271 |
| Traveelrs | $2,385 |
| MetLife | $2,461 |
| Geico | $2,537 |
| Progressive | $2,589 |
| Alfa Insurance | $2,674 |
It is clear from the list that young drivers can get the cheapest car insurance from different mentioned companies. In comparison, State Farm is the cheapest company with an annual payment of $1,861. Similarly, Allstate charges young drivers $1,947 annually. Both of these companies have rates under $2,000 per year. In comparison, the rest of the companies have rates above $2,000 per year. It is worth mentioning here that rates mentioned in this article are based on the research purpose, and you can use it for estimation purposes. The actual rates can vary. So you can shop around Birmingham to get more updates and to-the-point rates.
Also, note that drivers under the age of 40 are considered risky drivers, and insurance companies charge them higher as compared to adults. From this, we can determine that the insurance rate is inversely related to the age group. The lower the age group, the higher will be the insurance rate. Or Vice Versa. So a young driver with age seventeen years will get higher rates as compared to a driver with age 45 years.
Cheapest Minimum Coverage for Young Good Drivers In Birmingham AL
In the previous topic, we discuss insurance rates in Birmingham, AL, for young drivers. As mentioned earlier that prices are too high for a younger driver. However, there exist different companies that offer cheap insurance rates to young drivers. Similarly, We also discussed that a good driver could get a lot of discounts. Which means they can get lower insurance rates. Because insurance companies check driving records before they award policy to any driver.
So if you are a young driver with age 20 and having a good driving record, you can get many affordable car insurances quotes from Birmingham, AL, from different insurance companies. Besides this, you can also claim multiple discounts such as a good student discount and a good driving record discount from your insurance company. A lot of companies offer discounts and lower insurance rates for good young drivers. But you need to go and shop around for the best one.
If you are a good young driver in Birmingham, AL, and looking for state minimum coverage. You may check with these companies, As these companies offer the lowest average rates:
| Company | Annual Payment |
| State Farm | $786 |
| Geico | $871 |
| Allstate | $982 |
| Nationwide | $1,095 |
| MetLife | $1,132 |
| Auto-Owners | $1,187 |
| Country Financial | $1,268 |
| Progressive | $1,341 |
| Travelers | $1,389 |
From the table, State Farm is the cheapest car insurance company. It charges good young drivers $786 annually with minimum liability coverage. The rates for minimum coverage of each company are listed in the next column. Once again, those rates are just for estimation. And the original rates may vary. You can get the best insurance rates by shopping around.
Cheap Car Insurance In Birmingham AL After A Speeding Ticket
When you commit a speeding infraction and get a speeding ticket, you fall under the category of risky drivers, as overspeeding can lead to an accident. Hence the insurance company charges you more. You get specific points for the level of speeding you caught. You will get higher points against your license as far as they caught you on a higher speeding violation. The calculation of the increase in the price of insurance premium will be based on these points. In short, your existing insurance will be almost doubled if you get a speeding ticket. The table below consists of the companies that offer affordable car insurance quotes in Birmingham, AL, even after a speeding ticket. You can check it here.
| Company | Annual Payment |
| Allstate | $865 |
| Geico | $987 |
| Country Financial | $1,185 |
| Nationwide | $1,274 |
| Auto-Owners | $1,386 |
| Erie | $1,471 |
| State Farm | $1,536 |
| Alfa Insurance | $1,589 |
| Travelers | $1,671 |
The over speeding is directly related to another factor called mean travel time at the workplace. According to the census reports 2019, the average time to reach the workplace is 21.9 Minutes. In comparison, 80% of the people drive alone, their own car, which is quite a high figure, according to data from the National Highway Traffic Safety Administration’s (NHTSA) 2018 Fatality Analysis Reporting System (FARS). In Alabama, 876 crashes happened due to distracted driving. The chances of accidents increase due to distracted driving. And when you are being caught during distracted driving. The rate of your insurance premium will automatically increase. Also, your record will be updated for a specific time. And when you buy a new policy or update/ renew the existing one. Insurance companies will reevaluate your record.
Allstate and Geico Are the two companies that offer insurance premiums of less than $1,000 for drivers with a speeding ticket. The rest of the companies in the table can charge you more. The rates mentioned here are just for estimation purposes. You can get updated rates in Birmingham by shopping around.
Cheap Car Insurance In Birmingham AL After A Car Accident
Just like a speeding violation, A car accident can also increase your insurance rate in Birmingham, AL. Because when you commit an accident, it records in the database and remains for a specific period of time. And insurance companies consider you a risky driver. And charge you with higher insurance rates. A driver with a good driving record and no accident history can receive 16% cheaper insurance rates from the insurance company. While if you commit a fault accident, the rates of insurance increase by at least 16% in Birmingham, AL. So if we calculate the amount, it ranges up to $300 to $1,500 per year increase in insurance premium.
By comparing the prices of different insurance companies, we included details of insurance companies that charge drivers with accidents added to their accounts. According to the Alabama Department of transportation, 159,925 car crashes were reported during the year 2019. That is the reason that the insurance cost skyrocket after a fault accident in Birmingham. Besides this, there is a risk of license cancelation and suspension of the insurance policy. Rates of different insurance companies in Birmingham are mentioned in the table. We included these companies after extensive research and comparison of Birmingham car insurance.
The companies include in the table provide affordable car insurance to at-fault drivers:
| Company | Average Rate |
| Alfa Insurance | $1,871 |
| State Farm | $2,165 |
| Allstate | $2,246 |
| Erie | $2,341 |
| Travelers | $2,389 |
| Auto-Owners | $2,471 |
| Geico | $2,536 |
| Progressive | $2,589 |
| MetLife | $2,671 |
Alfa Insurance offers cheap car insurance in Birmingham, AL, to the driver with a history of an at-fault accident. Progressive and MetLife offer the most expensive car insurance to drivers with an accident on their record.
Cheap Auto Insurance Quotes In Birmingham AL After A DUI
Driving under the influence of drugs in Birmingham not only increases your insurance rates but also there is your risk of life as it is a matter of life and death. When a driver commits a DUI in Birmingham, the insurance premium can increase up to 65%. Besides this, there are other penalties like SR-22 filing, Court fines, reinstatement fees, etc., even some companies suspend your policy.
However, You can get some relief by getting discounts or carrying liability insurance coverage only. Different companies offer affordable car insurance quotes from Birmingham, AL, to drivers with DUI on record. Listed in the table below.
| Company | Annual Payment |
| State Farm | $1,971 |
| Allstate | $2,165 |
| Progressive | $2,281 |
| MetLife | $2,364 |
| Auto-Owners | $2,487 |
| Travelers | $2,561 |
| Nationwide | $2,635 |
| USAA | $2,689 |
| Geico | $2,752 |
State Farm charges a driver with DUI for $1,971. It is the only company that charges under the $2,000 range. The rest of the companies are more expensive. In contrast, Geico is the most expensive company in Birmingham, Alabama.
Cheap Auto Insurance Quotes In Birmingham AL For Minimum Coverage
Minimum coverage in Birmingham, AL, makes you eligible to drive your vehicle on the road. In early topics, we discussed different types of insurance coverages. Different coverages have their own eligibility and rates. Different companies offer affordable car insurance rates for minimum liability coverage. You can check the insurance rates of the best car insurance companies in Birmingham, AL, in the table given below.
| Company | Annual Payment |
| Geico | $489 |
| Country Financial | $562 |
| MetLife | $637 |
| Nationwide | $689 |
| Progressive | $741 |
| Allstate | $789 |
| Travelers | $862 |
| State Farm | $973 |
Geico charges $489 annually for minimum liability coverage. It is the only company in Birmingham that charges drivers less than $500. The next company is Country Financial, with an annual payment of $562. And you can check the remaining values in the table. Please note that these costs are just estimates for the average driver in Birmingham, AL. The actual values may vary for each driver based on various factors. The purpose of this article Cheap Car Insurance in Birmingham, AL, is to give the reader an idea about how much people pay with car insurance, companies that have the cheapest car insurance, etc. The residents of Birmingham, Alabama, can get and find the best deal for their auto insurance.
Cheap Car Insurance Companies In Birmingham AL For Drivers With Bad Credit Score
A driver with a bad credit score in Birmingham, AL, has to pay twice as compared to a driver with a good credit score. After doing a comparison and comprehensive research on Birmingham auto insurance, we are glad to list the following companies that offer affordable rates to drivers with bad credit scores. Although no company in Birmingham, AL compromises on credit score. If we still look at the table. Geico offers the lowest rate to the driver with a bad credit score. In comparison, the annual payment is $2,165.
If we compare this value with the data of drivers with good credit scores, it is almost $962 higher. So a bad credit score can increase your insurance premium almost by 50%.
Besides Geico, there are other best auto insurance companies in Birmingham, AL. Such as USAA, Allstate, Country Financial, and Travelers. The rates are somehow higher, and you can check them in the table mentioned below.
| Company | Annual Payment |
| Geico | $2,165 |
| USAA | $2,287 |
| Allstate | $2,341 |
| Country Financial | $2,389 |
| Travelers | $2,461 |
| Nationwide | $2,587 |
| Progressive | $2,641 |
| State Farm | $2,689 |
The reason behind these higher rates due to bad credit in Birmingham are incidents caused due to bad credit. According to Experian, the average FICO score reached 703 during 2019. In comparison, the earlier score in Alabama state was 680. Almost all insurance companies evaluate credit scores before they award a policy to a driver in Birmingham. Credit is score is directly related to insurance cost. The more the credit score, the less will be the amount of insurance premium. Suppose your credit score is low. A driver will have to pay more in the form of an insurance premium. You can still get cheap auto insurance in Birmingham, AL, by shopping around, performing extensive research, and comparing different company’s quotes.
Birmingham AL Cheapest Car Insurance Companies For Seniors
Different factors affect insurance rates. Age is one of them. To discuss the insurance for seniors, let’s have a look at the age-wise population of Birmingham. According to the census report 2019, the total population of Birmingham is 210,080.
- 11% of the whole population is in the age range of 0 to 9 years.
- 10% of the whole population is in the age range of 10 to 19 years.
- 18% of the whole population is in the age range of 20 to 29 years.
- 14% of the whole population is in the age range of 30 to 39 years.
- 11% of the whole population is in the age range of 40 to 49 years.
- 12% of the whole population is in the age range of 50 to 59 years.
- 13% of the whole population is in the age range of 60 to 69 years.
- 7% of the whole population is in the age range of 70 to 79 years.
- 4% of the whole population is above the age of 80 years.
Senior people are in the age range of 65 years. In comparison, age has an inverse relation with insurance cost. Insurance cost for the younger driver is higher, while the middle-aged driver can get low insurance rates. Similarly, the insurance rate for seniors is also high because insurance companies charge senior people higher rates as they are also risky. If we look at the National Highway Traffic Safety Administration 2017, 168 people were killed during accidents. And most of the crashes were caused by senior people.
Besides this, senior people have to renew their driving license in person and pass a vision test after every four years in Birmingham, Alabama. The table below consists of the companies offering affordable car insurance quotes in Birmingham, AL, to senior citizens.
| Company | Annual Payment |
| State Farm | $792 |
| MetLife | $861 |
| Auto-Owners | $975 |
| Travelers | $1,146 |
| Alfa Insurance | $1,187 |
| Nationwide | $1,289 |
| Progressive | $1,371 |
| Allstate | $1,485 |
State Farm offers to charge senior citizens $792 annually. And it is the cheap car insurance company in Birmingham for senior citizens.
Who Offers A Cheap Car Insurance In Birmingham AL For Married Couples?
If we look at the marital statistic of Birmingham. Only 34% of the people are married. If we further generalize, 48% male and 43% Female are never married, while 14% of males and females are divorced. Similarly, 35 males and 10% of females are widowed. Getting married can reduce your insurance cost in Birmingham, AL. The married couples are more stable and secure. However, insurance rates are a bit higher for married couples in Birmingham, Alabama. The reason behind this is the single-driver vehicle policy.
After comparing different insurance companies’ rates, we include a list of the companies that offer cheap auto insurance in Birmingham, AL, to married couples. Geico is one of the cheapest companies. The annual payment is $1,689 for a married couple. It is almost $141 per month.
Besides Geico, Allstate and Progressive also charge lower rates for married couples, i.e., $1,751 and $1,863 per year. These three companies charge under the $2,000 range.
State Farm and Nationwide rates are a bit higher.
| Company | Married Couple Rates |
| Geico | $1,689 |
| Allstate | $1,751 |
| Progressive | $1,863 |
| Travelers | $2,278 |
| MetLife | $2,386 |
| Auto-Owners | $2,471 |
| State Farm | $2,564 |
| Nationwide | $2,679 |
What Are The Different Types Of Birmingham Auto Insurance Coverage?
From the article, Cheap Car Insurance in Birmingham, AL we have got an idea, how insurance works. While we also discussed basic types of insurance coverages, such as Minimum coverage, standard and comprehensive coverages. However, there are a lot of other types of insurance that are offered by the best car insurance companies in Birmingham, AL. Therefore, you must get information about these types and how they work. So let’s start with the first one.
New Car Replacement
When you buy this coverage in Birmingham. In case if your car is declared a total loss. It will pay you the value of a brand-new vehicle of the same make and model, minus the deductible.
Original Parts Replacement
This type of insurance will guarantee original parts by the car manufacturer in case of repair.
Towing and labor insurance
Suppose you opt for this coverage in Birmingham, Al. It will reimburse the labor costs and towing expenses.
Liability coverage
It is the type of insurance coverage, that is mandatory by law in almost all state of the U.S. Liability coverage make you eligible to legally drive the vehicle on the road. This type of insurance coverage will protect you against injuries and damages caused by you to another person’s vehicle.
Collision insurance
This type of insurance in Birmingham covers damages to your car after an accident involving another vehicle. Collision coverage also helps to repair or replace a covered vehicle.
Underinsured motorist insurance
In Simple words, underinsured motorist insurance can be defined as and insurance beyond the policy limits. Let discuss it in detail. In Birmingham, some drivers buy minimum liability coverage. This type of coverage has low cost, but also it has limited coverage. So when the driver involves in an accident, the policy limit does not cover the expenses. So underinsured motorist insurance covers you in this case.
Roadside Assistance
It is just like Towing and labor insurance. When you sign up for a Roadside Assistance package, you can receive extended towing, flat tire service, and much more.
Comprehensive insurance
This type of coverage offers an extra level of coverage in the instance of an accident involving another vehicle. Comprehensive coverage can pay for damage to your car due to incidents other than collisions. Comprehensive coverage is effective in case of vandalism, certain weather events, and accidents with animals.
Uninsured motorist insurance
A driver in Birmingham can protect himself and his vehicle against uninsured drivers and hit-and-run accidents. It is just like underinsured motorist coverage.
Gap insurance
This type of insurance coverage is mostly applicable to a vehicle bought on Loan as the value of a vehicle depreciates quickly, so an auto insurance settlement might not be enough to cover the cost of a loan. The difference can be covered using gap insurance in case of total loss or theft.
Rental reimbursement insurance
Suppose your vehicle car is unable to drive due to any reason. Rental reimbursement insurance can pay you for the rent a car expenses.
Medical payments coverage
This type of coverage can help you to pay medical costs related to a covered accident. It does not matter who is at fault.
Personal injury protection insurance
Normally insurance coverage does not apply to your own injuries or damage to your accident. In contrast, there are chances of getting injured during an accident. To protect yourself, you have to buy Personal injury protection insurance. Depending upon the policy, it can pay 80% of your medical expenses. You can get this type of insurance from the best auto insurance companies in Birmingham, AL.
Classic car insurance
You can ensure your classic or luxury car in Birmingham by getting classic car insurance. It is especially for unique and vintage cars.
Is Birmingham AL Auto Insurance A No-Fault?
Just like other states, Birmingham, AL, also has a fault-based system. This means that you will be responsible for paying for the damages and injuries if you were at fault during an accident. And the At-fault driver will have to compensate for the damages and injuries caused during an accident.
If a driver suffers any kind of injury or damage due to an auto accident in Birmingham. he /she can proceed three different ways:
- File a claim with his / her parent insurance company, and request to cover the losses is under the policy he/she owns. During this situation, the parent insurance company will pursue a subrogation claim against the at-fault driver’s insurance company)
- File a third-party claim directly with the at-fault driver’s insurance carrier, or
- File a personal injury lawsuit in the civil court against the at-fault driver.
Ways To Reduced Rates In Birmingham AL Car Insurance
In the previous article, we discussed how to get cheap and affordable car insurance quotes in Birmingham, AL. Similarly, you can get reduced and low insurance rates in Birmingham in multiple ways. But one thing to consider, to never sacrifice quality service for few dollars. As adding value to insurance, offer ultra-protection to drivers. Different ways to lower insurance costs in Birmingham are listed below. You can get reduced rates in six different ways.
- Bundle other policies with your car insurance.
- Increasing your deductibles can lower your insurance premiums.
- Paying car insurance policy in full or in a single installment.
- Opt for usage-based car insurance.
- Always monitor price changes to your policy.
- Shop around to get more discounts and get better insurance rates.
Good Drivers Car Insurance Discounts In Birmingham AL
Drivers can get cheap car insurance in Birmingham, AL using a wide range of discounts. Different factors affect car insurance rates. This may include age, marital status, gender, driving record, credit score, etc. however, a good driving record has more importance. And the best car insurance companies in Birmingham, AL, always check for driving records before they award policy or any discounts. Drivers in Birmingham can get discounts in different ways like:
- Passive Restraint
- Anti-Theft Device
- Anti-Lock Brake
- Utility Discount
- New Car
- Farm Vehicle
- Multiple Policy
- Full Pay
- Good Student
- Multiple Car
- Accident-Free
- Resident Student
- Home Ownership
- Affinity (qualifying for any organization membership)
- Vehicle Safety
How to Buy Car Insurance In Birmingham?
Buying an insurance policy in Birmingham is not an easy task. It involves many steps and knowledge. Before you buy an insurance policy, you will need to do proper research on Birmingham car insurance. Once all research completes, you can follow the steps mentioned below to buy car insurance.
- The first step includes deciding how to shop. There are different ways to buy policies like using online resources, visiting physical offices, or agents, etc.
- The second step is to gather information. Like vehicle makes, model, VN number, first name, Last name, Date of Birth and address, etc.
- The third step is to choose the coverage amount. Based on your requirements, you can get by minimum, standard and comprehensive coverages if you are looking for cheap auto insurance in Birmingham, AL. There are the best car insurance companies in Birmingham, AL, where you can get reduce rates.
- Once all the above three steps are complete, the next step is to fill out the application form carefully. After filling the form, you will need to submit the filled form in company HR or with an agent. And get quotes from insurance companies.
- To get quality coverage, we are including another step. That is comparing your quotes. Use independent reviews as well to get more effective results.
- After the selection of the company, it’s time to pick a policy. Also, decide on the time duration.
- After you pick the policy, cancel the existing insurance policy. And start the new one. That’s all. Following these steps can help you to get cheap auto insurance in Birmingham, AL.
What Individual Factors Affect A Birmingham AL Driver’s Car Insurance Rates?
Suppose you are looking for cheap car insurance in Birmingham, AL. You need to be aware of different factors affecting car insurance rates. Also, you must have up-to-date knowledge about Birmingham auto insurance so that you get citywide insurance at a low price. Therefore, we have collected data on different indicators that the best auto insurance companies Birmingham AL consider. Some of them are mentioned below.
Your Age: Age has a direct impact on car insurance prices. Teen drivers have to pay more as compared to middle-aged drivers. As they are riskier. Similarly, senior people also have to pay higher rates.
Your Marital Status: A married couple can get lower insurance rates in Birmingham. As they are more stable. And less risky as compared to single personals. Similarly, you &your spouse can save enough money by adding vehicles into the same policy.
Your Gender: Gender also matters in insurance rates. Male have to pay more as compared to females. As females are safer to drive.
State requirements: Each state has its own requirements for car insurance. Based on these, a driver can opt for minimum, standard or comprehensive coverage. Increasing price and offer you extra protection.
Your Driving History: If you have a spotless driving history, you can get cheap car insurance in Birmingham, AL. As insurance companies check the driving record of the person looking for a policy.
Your Credit Score: just like driving history, the same is the case for credit score. A driver with a high credit score can get low-cost insurance. Or Vice versa.
Your ZIP Code: insurance companies check your ZIP code to check for theft and vandalism cases. Based on this, they award policy to a driver.
Yearly Mileage: If your annual mileage is more. Then the chance of an accident is higher. And you will get higher rates. Decreasing annual mileage can decrease the cost of insurance.
High-risk violations: the best car insurance companies in Birmingham, AL, check for high-risk violations. A greater number of violations make you risky, and as a result, the insurance rate can go higher.
Car Make and model: some vehicles are cheap to insure, as they have fewer chances of collision and damages. If security features are installed, the insurance price will be lower. Similarly, expensive vehicles are expensive to insure.
Car Insurance Birmingham AL Questions And Answered
How much will I expect to pay for car insurance?
Rates for Birmingham auto insurance can vary with time. Also, there are some factors that can affect insurance rates. However, you have to expect up to $1278 per year as the average rate varies across these figures. You can reduce your insurance cost by getting married, maintain a Good driving record and high credit score.
What are the Major Differences Between Full Coverage and Liability?
Liability coverage is the minimum state requirement to drive the vehicle on the road. The coverage expenses for liability coverage are minimum.
While comprehensive coverage offers ultra-protection to drivers, the expenses limits are higher as compared to liability.
How much liability insurance coverage do you need?
The liability insurance coverage varies state by state. And every state has its own set of liability. However, enough liability limit is required by each state; that is, it protects your assets. And you don’t have to pay from your pocket to cover the expenses.
What does Full Coverage Insurance Cover?
Full coverage insurance is the combination of state minimum coverage, standard coverage, as well as collision coverage. Full coverage offers you ultra-protection in case of an accident. However, the cost of insurance may be higher and not affordable for everyone. You must have sound knowledge of Birmingham car insurance to differentiate between full coverage and other types like standard and minimum liability coverage.
Why do insurance companies use my prior insurance information?
The reason to review your prior insurance information is to review the history of insurance coverage. Based on these best auto insurance companies, Birmingham, AL, decides whether you qualify for different policies and discounts. Or not. Besides this, they also check for coverage lapses.
Do you have any violations on your record?
If you commit any violation. It can remain in history for three to seven years. And when you buy any policy. Insurance companies can check your record. Therefore, it is important to take care while driving. Always follow traffic laws and rules to maintain a good driving record. And you can get cheap auto insurance in Birmingham, AL, by maintaining a good driving record.
Should I accept a settlement offer from the insurance company?
It depends upon you. But let me clear to you. That once you accepted the settlement offer from the company. You cannot step back.
When should I get quotes?
When you are planning to get a new policy or renew the existing policy. You will need to get a quote. Otherwise, there is no need to get quotes as long as you have a valid insurance policy. Further, you can study Birmingham car insurance for more info.
Does my auto insurance policy cover a rental vehicle?
In most cases. Yes. Your auto policy covers the rental vehicle and third-party claims.
Does your car have an anti-theft device?
Installing an anti-theft device in a vehicle can help you to get a cheap car insurance rate. Besides this, you can get multiple discounts. However, you must know about the type, working operation, and other features of the device.
Does the policy include towing and roadside assistance, and is it available on a 24/7 basis?
These are separate types of insurance coverages. However, if you sign up for a basic or premium package of Towing and roadside assistance, it is 24/7 available to you.
Does The Model of My Car Matter?
Yes, the model and make of your vehicle matter. And most of the insurance charges you on the basis of the model and make of the vehicle.
How to save on full coverage car insurance
Well, we have discussed different methods, tips, and tricks through which you can save on the different types of coverages. And you can save more by shopping around, asking for discounts. Avoid infractions and maintain a good driving record.
When can you drop full coverage insurance?
When you came to know that it is expensive to maintain the vehicle or the insurance cost exceeds the cost of the vehicle. You can drop full coverage insurance in that case.
How Much Is Commercial Auto Insurance in Birmingham?
The rates for commercial auto insurance vary from time to time. It also depends upon driver profile, age, and other factors. But normally, it cost $900 to $1,800 for commercial auto insurance coverage. Further, you can get more detail by shopping around and comparing quotes.
