There are insurance companies in the market, so drivers should purchase the right policy for their needs. However, selecting the right insurance policy might not be easy because there is a lot of misconception out there. For instance, most drivers choose car insurance based on the price; however, a policy with the lowest price might not provide sufficient coverage, and so the driver will have to pay the extra cost out of pocket.
Drivers can get affordable car insurance quotes in Dothan, AL, because the area has several insurance companies offering different levels of coverages, incentives, and discounts. Therefore it’s good to compare insurance rates online because you will get multiple providers and the best rates.
But, your rates will greatly vary based on your profile details, the policy type, the Dothan AL car insurance company, actual location, your car make and model. The article will tell about different insurance coverage based on various factors such as your age, driving history, marital status, credit score, and more.
The Best Cheapest Dothan AL Car Insurance Companies
Maintaining a clean driving record is a good strategy for getting cheap car insurance Dothan AL rates. Still, some insurers are interested in your driving experience because it shows whether you’re a good or risky driver. Actually, insurance companies in the US and Alabama give lower insurance rates to good drivers, which can be as low as $65 per month.
The minimum Liability coverage has cheaper rates, but it doesn’t give adequate protection in case you’re involved in a serious accident. On the other hand, a full coverage policy is significantly higher, but it has a higher liability limit and two additional coverage, namely collision and comprehensive coverage. This is helpful when you engage in on-road accidents or off-road incidents.
You can get cheap car insurance in Dothan, AL offering the best rates when you shop around, ask for discounts and compare quotes. The following are the best Dothan car insurance companies:
Average Cost Of Car Insurance In Dothan AL
The US has many insurance companies offering lower rates, and Alabama is ranked 22nd in this regard. The state and national average car insurance are almost similar, but it’s higher in Dothan. Here are the numbers:
- The national average yearly car insurance cost is $1,349
- Alabama average yearly car insurance cost is $1,372
- Dothan average yearly car insurance cost is $1,581
In Dothan, AL, insurance companies don’t offer the same rates because they calculate premiums based on a driver’s characteristics. So you and your neighbor will pay somewhat different rates because of the following factors.
- Marital status
- Driving record
- Credit score
- Coverage limits
- Anti-theft devices in your car
- The year, make, and model of the vehicle
Even with these factors, a driver can still get the best Dothan auto insurance rates by taking advantage of discounts and shopping around.
Dothan Auto Insurance Requirements
The Dothan AL mandatory liability insurance law has the following minimum amounts
- $25,000 for bodily injury liability per person
- $50,000 for total bodily injury liability per accident
- $25,000 for property damage per accident
The liability car insurance coverage takes care of medical costs, property damage costs, and any other expenses incurred by drivers, passengers, pedestrians, or their vehicle as a result of a car accident you caused. Therefore, your insurer will absorb these costs up to the coverage limits.
It’s not recommended to purchase a state’s minimum liability insurance coverage simply because it has affordable car insurance quotes Dothan AL. A lower insurance coverage limit will leave you with an overwhelming financial burden in the event you’re involved in an expensive road accident. This is because your insurance provider will absorb the expenses up to the policy limits, and you will be required to pay the extract amount out of pocket.
Your liability coverage will cover the medical bills and damaged car repair expenses even when one of your family members is driving your car at the time of the accident. It will also kick in if another authorized person was driving the vehicle at the time of the accident or when you get into an accident using a rental car.
Additionally, a driver must provide proof of insurance when a law enforcement officer or license plate-issuing official requests for it.
Lastly, the liability coverage discussed here doesn’t cover the medical bills and property damages for the policyholder. Instead, a policyholder’s expenses are covered by the other’s driver’s coverage, and if not, their additional coverage such as Medical payment and personal injury protection (PIP) coverage takes care of their medical bills while collision coverage pays for either the repair expenses or replacement of their damaged vehicle after a car crash.
So shop for the best car insurance companies in Dothan, AL offering cheap rates for a higher coverage limit to avoid getting on a financial hook after a severe accident.
How To Get Cheap Car Insurance Quotes In Dothan AL?
Maintaining a clean driving record remains the best way of getting cheap auto insurance Dothan AL because the insurer considers such a driver has a low risk. So drivers with a driving history or without speeding tickets, citations, DUIs, and crashes can enjoy lower rates from Dothan auto insurance.
Still, there are other ways of getting lower insurance premiums. They include:
Increase Your Deductibles
The deductible is the amount you pay out of pocket when filing a claim or after an auto accident or theft. Deductibles range between $250 and $1,000 based on your insurance policy. Therefore increasing this amount will lower your annual premium. You can discuss with your agent and agree on the amount you can pay and the effect it will have on your annual premium.
Further, not filing minor claims can lower your premium but raising your deductible is a more sensible move of lowering your insurance premiums.
Consider Switching Auto Insurance Providers
There are some factors that auto insurance companies use when calculating rates. However, each insurer has its preferred approach when determining what different profiles will pay for their insurance premiums. So, you may notice that an insurer that gave you cheaper car insurance had increased it when your profile changed, such as when you get a DUI conviction, speeding ticket, an accident, and more.
Therefore avoid the temptation of staying with the same carrier, shop around before renewing your insurance policy, and compare rates with multiple providers.
Ask About Discounts
You can get various discounts from the best auto car insurance companies Dothan AL which can reduce your insurance rates. The following are some of the typical discounts you are likely to get in Alabama.
- Multiple car insurance discounts
- Bundle insurance policies, i.e., auto and homeowners insurance
- Maintain a clean driving record discounts
- Accept to receive documents online
- Pay the entire or six-month premium at once
- Install anti-theft safety features
- Join a professional organization or affiliate group
But even when an insurance provider has a long list of discounts, you compare to shop around and compare rates with different insurance companies.
Purchase a Vehicle that is Cheapest to Insure
Your insurance rates can be high or low based on the year, make, and model of the car that you drive. This is so because every type of vehicle has a different likelihood of getting involved in an accident, claims, rates of theft, or accidents.
In view of that, vehicles with less horsepower are less likely to get speed-related collisions, thus cheaper to insure. So switch to a car that is not a liability to insure.
Opt for Less Car Insurance Coverage
The lesser the car insurance coverage, the lower the premiums. However, it’s important to know that it takes just a slight distraction to cause an accident. Also, an uninsured at-fault driver can hit you.
So, having insufficient car insurance coverage can leave you with huge debts if you get involved in an expensive accident. So it better to increase your liability coverage and couple it with an uninsured motorist coverage of a similar limit.
Less car insurance coverage is applicable mainly when you’re planning to store your car. According to the best auto insurance company Dothan AL, the savings that you make by lowering your insurance coverage may one day leave you on a financial hook when you get involved in a serious accident.
Maintaining a Clean Driving Record for Several Consecutive Years
Strive to maintain a clean driving record because it will earn you reduced premiums. Getting a traffic infraction citation, DUI conviction, or an accident greatly increases your premiums because insurance providers consider you a greater liability.
Here are some tips that help you keep your driving record clean:
- Never get behind the wheel under the influence of alcohol or drugs
- Adhere to all traffic laws
- Drive less
- Maintain your vehicle to minimize the risk of crashing
Dothan AL Car Insurance For Drivers With A Good Record
Maintaining a clean driving record is the ultimate way of getting the best insurance rates in Alabama. Such a record shows that you follow traffic rules, avoids distractions, and don’t drive under any influence.
According to the best car insurance companies in Dothan, AL, a driver without any traffic citation or at-fault accident on their driving record is less likely to engage in a crash in the future, unlike those that have speeding tickets DUIs, and accidents on their driving history.
The following are three regular insurance coverage packages in Alabama:
- State minimum: This is the basic insurance policy that every motorist must have to drive in Alabama.
- Standard coverage: It comprises state minimum coverage plus collision coverage.
- Full coverage: It has state minimum, standard coverage, and comprehensive insurance coverage.
Here are the full coverage rates Dothan car insurance companies are offering drivers with a good record.
Dothan AL Cheap Car Insurance Quotes For Young Drivers
Typically, young drivers pay more than old drivers. On average, a young driver pays $6,204 per annum, triple what older adults pay for their car insurance.
The reason is that insurance companies consider young drivers a greater liability, but the premiums decrease as they age. Since drivers aged 40 and below more in Alabama, a 17-year-old driver pays higher than a 45-year old.
The following are tips for lowering insurance premiums as a young driver.
- Take a defensive driving course to improve your driving skills.
- Switch to a less to insure car such as one with lower engine power and risk of being stolen.
- Be a safe driver and avoid minor filing claims.
- Opt for pay as you drive option or drive less.
- Increase your deductible
- Install anti-theft devices
- Shop around for better insurance rates
A young driver can still get cheap car insurance in Dothan AL companies such as State Farm or Allstate, as shown in the below table. The two are the best car insurance companies in Dothan, AL giving young drivers rates below $2,000 per annum.
Here are what cheap Dothan AL car insurance companies are offering young drivers.
Cheapest Minimum Coverage For Young Good Drivers In Dothan AL
Young drivers must shop around to find cheap car insurance Dothan, AL area. This is because these drivers lack driving experience and get distracted easily than older drivers. As a result, insurance companies consider such drivers a greater liability, hence the high premium.
These rates improve as they gain more driving experience and insurers routinely offer better rates for good young drivers, so they need to shop around before renewing their auto insurance policy.
On the other hand, the state minimum coverage is cheaper, but it doesn’t offer adequate coverage in the event of a serious accident. So it’s recommended to increase your coverage to avoid becoming overwhelmed with debts after a car crash or drive less if you must purchase a state minimum coverage.
The following are Dothan auto insurance companies offering state minimum coverage to good young drivers.
Cheap Car Insurance In Dothan AL After A Speeding Ticket
Distracted driving caused 876 crashes in Alabama based on the National Highway Traffic Safety Administration’s (NHTSA) 2018 Fatality Analysis Reporting System (FARS). Therefore, distracted driving can cause a lot more accidents if left unchecked, and that is why Alabama joined other states in setting laws to restrict it.
Also, insurance companies take into consideration your driving record when calculating your car insurance premiums, according to the Insurance Information Association report.
Therefore, having a speeding ticket increases your annual insurance because, according to insurance companies, you’re at a greater risk. In no time will you get involved in an auto crash if you continue speeding.
There are few cheap auto insurance Dothan AL companies offering affordable insurance rates to drivers with speeding tickets.
Cheap Car Insurance In Dothan AL After A Car Accident
Having a traffic violation or accident on your driving record makes you a risky customer. For that reason, Dothan car insurance companies charge such drivers a higher annual premium because they are more likely to file claims and engage in an auto crash many times a year.
According to the Alabama Department of Transportation, 159,925 car accidents were reported in 2019. So the insurance companies may opt to cancel the policy of such a driver or increase their rates between 23% and 65% because there are risky drivers. Paying for accident forgiveness is the only way out, but the process can be cumbersome and expensive.
The following are the cheap auto insurance Dothan AL companies for at-fault drivers.
Cheap Auto Insurance Quotes In Dothan AL After A DUI
Like any other traffic offense, a DUI has a negative impact on your annual insurance premium. Some insurance companies may deny you coverage when you have a DUI on your driving record. Getting out of it is a cumbersome process involving SR-22 filing, court fines, reinstatement fees, and higher insurance premiums.
A driver looking for affordable car insurance quotes Dothan AL has after a DUI should shop around, compare rates with multiple insurers, ask for discounts or opt for the liability coverage only.
Here are top Dothan auto insurance companies offering cheap auto insurances quotes to drivers with DUI.
Cheap Auto Insurance Quotes In Dothan AL For Minimum Coverage
Insurance companies in Alabama calculate premiums based on different personalized factors such as the driver’s age, marital status, driving history, the year, make, and model of their vehicle, among others.
The state minimum liability coverage is the cheapest insurance policy, but it has a lower limit that might not offer sufficient protection in the event you’re involved in an expensive auto accident.
The best auto insurance companies Dothan AL recommend the purchase of additional insurance coverage such as collision, comprehensive, uninsured motorist, and underinsured motorist coverage in order to avoid overwhelming debts as a result of a severe auto accident.
Comparing insurance rates from different multiple insurance companies can help you get affordable car insurance quotes in Dothan, AL. You can also ask for discounts because these incentives can lower your annual insurance premiums.
The following is what insurance companies in Dothan AL are offering for minimum coverage.
Cheap Car Insurance Companies In Dothan AL For Drivers With Bad Credit Score
The average national FICO score touched 703 in 2019, while Alabama’s average was 703 based on Experian records. The credit score is one of the primary factors insurance companies use to determine premiums and forecast losses.
Drivers with bad credit scores mostly pay twice what those with strong scores pay. That is, they pay $2,183 per annum, while those with good credit history pay $1,221.
Drivers with bad credit have to really shop around in order for them to secure affordable car insurance quotes Dothan AL because companies consider them a greater liability.
Still, their rates drop as their credit score improves, and they can secure lower rates in the future.
Cheapest Auto Insurance Companies In Dothan AL For Seniors
The 2017 National Highway Traffic Safety Administration data shows that nearly 168 senior drivers aged 65 and above were killed in auto accidents in Alabama. Further, 13.5% of traffic fatalities were caused by senior drivers that year.
In view of that, seniors pay higher annual premiums than middle-aged drivers. On average, they spend $1,260 a year compared to $1,221 paid by drivers in other age groups.
On the other hand, these drivers can get cheap auto insurance Dothan AL when they shop around and compare rates with multiple insurance providers.
They can also ask for discounts for maintaining a good driving record, install safety devices and drive less and more.
Who Offers A Cheap Car Insurance Dothan AL For Married Couple?
Generally, married couples pay more premium than their single drivers because there is more than one driver on their policy. They are more likely to have some teen drivers on the same policy and more than one car. For those reasons, married couples on average pay $140 a month while single drivers pay $115 a month in Alabama.
Shopping around and comparing rates can help married couples get affordable car insurance quotes Dothan AL, as shown in the table below.
|Married Couple Rates
What Are The Different Types Of Dothan AL Auto Insurance Coverage?
You now understand how to shop for the best cheap insurance coverages for different profile factors. Still, you must know different auto insurance coverage options in order to purchase the policy that is right for you. The following are basic insurance types, what they cover and how they work.
The coverage pays for the expenses resulting from an actual crash but not theft, vandalism, or costs paid by at-fault driver’s policy. The coverage is mostly added to the liability insurance policy and coupled with comprehensive insurance in order to give the policyholder maximum protection in the event of an accident.
Underinsured Motorist Insurance
This is additional coverage that protects the driver when engaged in an auto accident with a motorist with insufficient insurance coverage. The insurer of the at-fault driver is expected to absorb the losses up to the policy limit, but in the event that an underinsured motorist hits you, their coverage will not be enough to pay for your medical bills or the repair of your damaged vehicle, and that is when this coverage comes in to protect you from overwhelming expenses.
The coverage offers emergency roadside help when you’re stranded because your vehicle has issues such as a flat tire, run out of gas, or the batteries need a jump. So the add-on coverage ensures that you are able to get back on the road safely.
The coverage covers other vehicle damages apart from collisions such as vandalism, break-ins, tornados, earthquakes, animals, among other causes. The coverage is added to the liability insurance and coupled with collision coverage for financed or rental cars.
Uninsured Motorist Insurance
The coverage protects the policyholder against an accident with a motorist without insurance coverage. This is an add-on to the liability insurance and covers the expenses for the injured policyholder, their passengers, and property damage.
It’s illegal to drive in Dothan, AL, without an insurance policy. However, because there are still some irresponsible drivers on the road, some states have made it mandatory to have uninsured motorist insurance with the liability insurance policy.
Major Parts Replacement Coverage
The insurance coverage allows you to replace major parts of your vehicle such as the brakes, tires, batteries without charge and regardless of their depreciation value or wear and tear at the time of the auto accident.
The insurance coverage covers the gap or the difference between the loan amount and the actual cash value when the car is stolen, destroyed, or totaled. Although gap insurance is optional, it’s important to have it when driving a rental or financed vehicle.
Rental Reimbursement Insurance
The coverage helps you move around as your car is being fixed after an auto accident, regardless of who is at fault. Therefore the insurer pays for the rental car costs or any other mode of transportation.
Medical Payments Coverage
MedPay coverage pays for medical and funeral expenses stemming from an auto accident irrespective of who was at fault. It covers the policyholder, family members, and passengers in the vehicle at the time of the accident.
Personal Injury Protection Insurance
This coverage covers your medical expenses arising from car-related injuries, irrespective of who caused the accident. It pays for your medical expenses, lost wages, funeral costs, a small death benefit, as well as services such as child care or housecleaning because you can no longer perform them due to sustained injuries.
Like any other coverage, the driver has to pay deductibles before accessing the benefits. Further, the policy covers the policyholder, family members, passengers, or any other authorized driver at the time of the accident.
Classic Car Insurance
Classic car insurance protects classic or antique cars. A classic car is aged between 25 and 30 years. Some of these vehicles are highly valued and include hot rods, muscle cars, vintage military vehicles, luxury, and exotic vehicles.
Standard policies consider mileage, age, and depreciation when calculating the worth of your car, which doesn’t cover the full value of a classic vehicle. However, a restored or customized classic car’s depreciated value may be lower than its actual worth. So much coverage may not sufficiently cover the cost of its repairs after an auto accident.
New Car Replacement
This coverage gives you enough money to buy a brand new car minus the deductible. So the new car replacement coverage doesn’t pay the depreciated value when the accident happens but a new vehicle with the same make and model as the totaled car.
However, the new car replacement is only available when you have collision and comprehensive insurance, the vehicle meets eligibility requirements in terms of age and mileage, and you will pay a deductible out of pocket.
Original Parts Replacement
The coverage allows you to replace any damaged parts of your car using ones bought from its original manufacturer because they are of higher quality. However, there are instances when these parts are no longer in production or not available at the time of the auto accident. The coverage allows the mechanic to use reconditioned or comparable parts but of higher quality.
Towing and Labor Insurance
You need a breakdown when your car breaks down and leaves you stranded on the roadside. This can cause a lot of panics and is also very expensive. Adding this coverage to your auto insurance policy will help you in the event of a flat tire, dead batteries, or an embarrassing lockout.
The coverage offers services such as:
- Jump starts
- Oil or gas delivery
- Tire changes
- Lockout assistance
On the other hand, the labor part of this coverage takes care of the labor charges incurred at the breakdown scene as the mechanic tries to get your vehicle up and running. While this coverage takes care of changing the tire, it doesn’t cover the cost of buying a new tire.
The auto liability insurance coverage covers third parties’ medical bills and the repair costs of their damaged vehicle as a result of an accident that you’re responsible for. That means your insurance carrier will absorb these expenses minus your deductible and up to your policy limit.
Therefore, liability coverage doesn’t cover the policyholder, hence the need to purchase additional coverage such as collision and comprehensive coverage to yourself and your vehicle. Liability coverage is a mandatory requirement in most states in the US, but you can shop around for the best auto insurance companies in Dothan, AL offering cheaper rates for enhanced coverage.
Is Dothan AL Auto Insurance A No-Fault?
Dothan AL uses a fault system when determining who is responsible for injuries, vehicle damage, or any other losses arising from a car crash. So the at-fault driver’s insurance absorbs the costs stemming from the accident they caused but up to the policy limits.
The injured person can proceed in any of the following ways:
- File a claim with their insurer, who then turns and pursue a subrogation claim against the at-fault driver’s insurance provider.
- File a third-party claim with the at-fault’s driver’s insurer
- File a personal injury lawsuit in civil court
The three options are not applicable in no-fault car insurance states. Instead, the injured drivers turn to their own car insurance policy’s personal injury protection coverage to pay their medical bills as well as various out-of-pocket expenses stemming from the car crash.
However, the injured driver can step outside of the no-fault and make a claim against the driver responsible for the accident when the claim surpasses certain statutory thresholds. Drivers in Alabama are not affected by the no-fault law because all of the in-state accidents follow the at-fault system.
Ways To Reduced Rates In Dothan AL Car Insurance
All driver wants to get the best coverage at an affordable price and from the best car insurance companies Dothan AL. However, you shouldn’t sacrifice quality because there are different ways of saving a couple of dollars. These includes:
- Raising your deductibles
- Bundling your auto insurance with other policies
- Paying your entire or six-month car insurance premium at once
- Opting for mileage-based car insurance
- Monitoring your policy premium changes
- Shopping around
Good Drivers Car Insurance Discounts In Dothan AL
Good drivers can access a wide range of discounts from the best auto insurance companies Dothan AL. So shop around, compare rates and ask about discounts and incentives that the insurance provider is offering good drivers.
The following are some of the potential discounts you can get in the Dothan AL area.
- Affinity or qualifying organization membership
- Anti-theft and safety devices
- Farm vehicle
- Full pay
- Good Student
- Multiple cars
- Multiple policies
- New car
- Passive restraint
- Resident student
- Utility discount
- Vehicle safety
Car Insurance Dothan AL Questions And Answers
Is Car Insurance Required in Dothan, AL?
Yes. It’s mandatory to have liability insurance with the following minimums.
- $15,000 per injured person
- $30,000 for all the injured people in that accident
- $25,000 for property damage
I already have health insurance. Why should I get medical payment coverage on my auto insurance policy?
A health insurance coverage may not cover all expenses stemming from a car crash, thus the need to have medical payment coverage. For instance, a traditional health insurance plan doesn’t cover emergency transportation bills like a private ambulance provider. It also doesn’t pay for massage therapy, acupuncturists, and chiropractors.
Further, not all doctors are willing to wait for your claim to be resolved, so it’s advantageous to have your medical payment coverage through your car insurance because it helps you pay your bills instead of rushing the personal injury claim.
What is Liability Only Coverage?
Liability-only coverage protects third parties. These are drivers and passengers that injured in an at-fault accident. So your insurer will absorb their medical bills and repair their damaged vehicle up to the limit of your liability insurance coverage.
This coverage has three key minimums.
- $15,000 per injured person
- $30,000 for all the injured people in that accident
- $25,000 for property damage
However, each state has its requirements when it comes to car insurance minimums.
Why Should I Get Car Insurance in Dothan, AL?
You will need proof of insurance before getting a vehicle registration in Dothan AI. Also, new residents must transfer their insurance, registration, and license within 30 days.
What does Full Coverage Insurance Cover?
Liability coverage protects other people and vehicles in the event of an accident but not the policyholder. On the other hand, full coverage is an option that also covers you and your car because it combined additional coverage such as comprehensive and collision under one insurance plan.
The compressive coverage takes care of other car damages outside an auto crash, such as vandalism, theft, fire, or weather damages.
On the other hand, the collision coverage takes care of damages that occur when driving your vehicle, such as a crash, driving off the road, or hitting an object. These damages must occur when driving, but if an object hits your car at the parking lot, then the comprehensive coverage will step in and pay for those damages.
What Will Happen if My Car is not Properly Insured in Dothan, AL?
It’s an offense not to be properly insured in the Dothan AL area. This will attract a $500 fine if this is your first offense and $1,000 for the second and subsequent offenses.
Do I Need Uninsured Motorist Coverage in Dothan, AL?
No. Uninsured motorist coverage is not a mandatory requirement in Dothan, AL.
Is Liability Insurance Required in Dothan AL?
Yes. Liability insurance is the state minimum requirement that has the following features.
- $25,000 per person bodily injury liability
- $50,000 per accident bodily injury liability
- $25,000 per accident property damage liability
How much is Auto Insurance Typically for 2 Vehicles in Dothan, AL?
The cost depends on the insurance coverage, such as the liability only, full coverage, or SR-22 insurance. However, the average cost of insuring two vehicles in Dothan, AL, is $1,847.
What is Deductible in Insurance?
A deductible is an amount you pay when you file a claim or toward an accident. You pay this amount out of pocket. For instance, in a $3,500 car damage, and your deductible is $500 based on your insurance coverage, your insurer will pay $3,000 towards repairing your car.
What is the Downside to Liability Insurance?
Liability insurance has a limit that might be sufficient when involved in a serious auto accident. So the insurance coverage will pay up to its limit, and then you will be required to meet the extra cost out of pocket, which can be pricey.
Also, purchasing liability insurance for your teen driver with a lesser value vehicle might be reasonable; however, you can’t prohibit them from driving another car, and since they are risky drivers, they might be involved in a collision which might cost more to repair your vehicle particularly when you have liability coverage.