Cheapest Car Insurance Rates in Birmingham AL

Insurance Claims Process After an Accident

1. Contact your Birmingham insurance company immediately to report the accident and start a claim.
2. Gather all necessary documentation, such as photos of the scene, police reports, and medical records if applicable.
3. Ask your Birmingham insurance agent how long it will take for them to process the claim and when you can expect a response from them about the final decision on coverage for your damages or losses incurred during the incident.
4. If you disagree with any part of their decision or think that an error has been made, contact your Birmingham insurance agency right away in order to dispute the results with them and request a review of the case.
5. Make sure that all repairs are done by approved body shops in Birmingham that are accepted by your insurance provider.
6. Once the repairs have been completed and approved, contact your Birmingham insurance agent to find out when you will receive payment for your claim.
7. Have a clear understanding of Alabama's uninsured/underinsured motorist laws so that you can ensure you're covered in the event someone causes damage to your vehicle and doesn't have enough coverage or any at all.
8. Be aware of Alabama's no-fault auto insurance laws so that you know what kind of benefits are available to you after an accident, regardless of who is at fault.

20 Most Expensive Automobiles to Insure in Alabama

1. Ferrari LaFerrari: $9,000+
2. Lamborghini Aventador: $8,500+
3. Mercedes-Benz SLS AMG GT Coupe: $7,500+
4. McLaren P1: $7,400+
5. Porsche 918 Spyder: $6,900+
6. Audi R8 V10 Plus Quattro: $6,600+
7. Mercedes-Benz SLS AMG Black Series Coupe: $5,100+
8. Cadillac CTS-V Sedan: $4,800+
9. Bentley Continental Supersports Convertible ISR: $4,400+
10. Mercedes-Benz G63 AMG 6x6: $4,200+
11. Porsche 911 Turbo S Cabriolet: $3,900+
12. BMW M6 Convertible: $3,800+
13. Audi RS7 Performance Prestige Quattro AWD Hatchback 4-Door: $3,700+
14. Audi R8 Spyder 5.2 FSI Quattro RWD 2-Door Convertible: $3,600+
15. Cadillac Escalade ESV Luxury Edition 4WD SUV 8-Cylinder Hybrid Engine: $3,400+
16. Rolls Royce Wraith: $3,300+
17. Mercedes-Benz SL65 AMG Black Series Coupe: $3,200+
18. Maserati GranTurismo Convertible: $3,100+
19. Porsche Panamera Turbo S Executive 4WD Hatchback 4-Door: $2,900+
20. Bentley Mulsanne Speed Sedan AWD 6.8L V8 Engine: $2,700+

20 Cheapest Vehicles to Insurance in Alabama

1. Honda CR-V: $500+
2. Toyota Corolla: $500+
3. Hyundai Elantra: $500+
4. Nissan Altima: $500+
5. Kia Optima: $600+
6. Subaru Forester: $700+
7. Ford Focus ST: $900+
8. Mazda 3 Hatchback 5-Door 4WD 2L Engine: $1,000+
9. Chevrolet Cruze LS Sedan 1.5L Turbocharged Engine 6 Speed Automatic Transmission: $1,100+
10. Jeep Cherokee Latitude Plus FWD SUV 2L V6 Engine 9 Speed Automatic Transmission: $1,200+
11. Honda Accord Hybrid Sedan 2L 4-Cylinder Hybrid Engine CVT: $1,300+
12. Volkswagen Jetta Wolfsburg Edition Sedan 1.8L Turbocharged Engine 5 Speed Manual Transmission: $1,400+
13. Subaru Outback 3.6R Limited Wagon 6-Cylinder 3.6L Engine 5 Speed Automatic Transmission :$1,500+
14. Hyundai Sonata SE 2.4L GDI 4-Cylinder Engine 6 Speed Automatic Transmission:$1,600+
15. Toyota Prius v Four Touring FWD Hatchback 1.8L 4-Cylinder Hybrid Engine: $1,700+
16. Kia Soul Plus FWD Hatchback 4Cyl 2L GDI Engine 6 Speed Automatic Transmission :$1,800+
17. Nissan Rogue S AWD SUV 2.5L 16V 4-Cylinder Engine CVT :$1,900+
18. Chevrolet Malibu LS Sedan 1.5L Turbocharged 4-Cylinder Engine 6 Speed Automatic Transmission :$2,000+
19. Ford Fusion SE Sedan 2L EcoBoost I4 GTDi DOHC Turbocharged VCT Engine 6-Speed Automatic: $2,100+
20. Jeep Grand Cherokee Laredo 4WD SUV 3.6L V6 Engine 8 Speed Automatic Transmission: $2,200+

 Alabama Automobile Insurance Requirements

1. Alabama requires all Birmingham drivers to carry liability insurance that meets or exceeds the minimum requirements set by the state's Department of Insurance. This includes bodily injury and property damage coverage with limits of at least 25/50/25.
2. Alabama also requires all Birmingham drivers to carry uninsured/underinsured motorist coverage with limits of at least 25/50/25.
3. Alabama does not require drivers to carry collision or comprehensive insurance, but it is strongly recommended if you want full protection for your vehicle in the event of an accident or other incident that results in damage to your automobile.
4. If you are financing a vehicle, then Alabama law requires that you purchase and maintain both collision and comprehensive coverage until your loan is paid off.
5. Alabama does not have any additional laws or requirements for auto insurance, though many Birmingham insurers offer various discounts and incentives for customers who choose to add additional coverage options beyond what is required by Alabama law.
6. Alabama does have a no-fault automobile insurance system that protects Birmingham drivers from being fully responsible for their own medical expenses after an accident, regardless of who is at fault. This is known as Personal Injury Protection (PIP) insurance and it can help pay your medical bills if you are injured in an auto accident.
7. Alabama also requires that all Birmingham automobile owners register with the Alabama Department of Revenue in order to obtain license plates and tags for their vehicles. Registration fees vary depending on the type of vehicle you own, so make sure to check with your local Alabama DMV office for more information about registration fees and requirements.
8. Finally, Alabama does not require Birmingham motorists to carry any form of additional liability insurance for motorcycles, mopeds, or ATVs. However, it is strongly recommended that you purchase additional liability coverage if you own any of these types of vehicles as they can be expensive to repair and replace in the event of an accident.

The Alabama auto insurance landscape can seem daunting, but it's important to know your rights and responsibilities when it comes to purchasing auto insurance in Birmingham. Make sure to take advantage of all available discounts and incentives, understand the minimum requirements set forth by Alabama law, and stay informed about the state's no-fault automobile insurance system so you can be fully prepared if something ever happens on the road.

4 Benefits of Adding Someone to Your Insurance Policy in Alabama

When it comes to Alabama insurance, the more the merrier. Adding someone to your Birmingham car insurance policy can provide additional benefits to you and your loved one. Here are four reasons why you should consider adding a person to your Alabama auto insurance policy:

1. Savings - With multiple drivers on an Birmingham auto insurance policy, each driver can benefit from discounts that come with being part of a group plan. That means you could save some money by bundling your coverage with an Alabama resident who shares similar driving habits as yourself.
2. Protection - When you add someone to your Alabama auto insurance policy, both of you will be protected against any type of accident or theft that occurs while either one of you are driving.
3. Better Rates - Alabama auto insurance companies evaluate risk by taking into account a variety of factors such as age, gender, credit score and more. When you bring another driver onto your Birmingham policy, the insurer will likely look at their record to determine if they can lower your rates.
4. Convenience - Adding someone to your Birmingham auto insurance policy makes it easier for both you and the other person to access coverage when needed. That way, no one has to go through the hassle of signing up for separate policies whenever something happens on the road!

Cost of Car Insurance in 6 Different Age Groups in Alabama

Alabama is known for having some of the highest car insurance rates in the country. To help you understand how your age affects your premiums, here are six different average annual premiums based on different age groups in Birmingham Alabama:

• 18-24 years old: $1,888 per year
• 25-34 years old: $1,516 per year
• 35-44 years old: $1,438 per year
• 45-54 years old: $1,274 per year
• 55-64 years old: $1,250 per year
• 65 and older: $1,168 per year

5 Driving Violations That Require High Risk Insurance in Alabama

Alabama is one of the few states that requires high risk insurance for certain driving violations. These are five offenses for which you may need to obtain high-risk auto insurance in Birmingham:

• Reckless Driving: Alabama defines reckless driving as “any person who drives a vehicle in willful or wanton disregard for the safety or property of others.”
• DUI/DWI: Alabama law enforcement takes DUIs and DWIs seriously, and those found guilty may be required to carry Alabama High Risk Auto Insurance for up to three years after their offense.
• Hit and Run: If an Alabama driver leaves the scene of an accident without providing contact information, they will likely have to obtain Alabama High Risk Auto Insurance for at least three years.
• Excessive Speeding: Alabama law enforcement considers any speed over 15 miles per hour in excess of the posted speed limit as a Class B misdemeanor, and offenders may be required to get Alabama High Risk Auto Insurance.
• Driving Without Insurance: Alabama Drivers are legally required to have auto insurance coverage, and those caught driving without it will not only face fines, but may also be asked to obtain Alabama High Risk Auto Insurance.

Top 8 Car Insurance Companies by Least to Most Expensive in Alabama

1. Alabama Farm Bureau - Alabama Farm Bureau is one of the least expensive car insurance companies in Alabama, with coverage starting as low as $37 per month. It offers a variety of discounts, including multi-policy and good driver discounts.
2. Geico - Geico has some of the lowest rates in Birmingham Alabama, with rates beginning at around $41 per month. Money-saving discounts include those for veterans and military personnel, plus multiple policy holders and vehicle safety features.
3. State Farm - State Farm is another great option for Birmingham drivers when it comes to affordable car insurance premiums, coming in around $42 per month on average. Discounts are available for safe driving habits, student drivers and multiple policies.
4. ALFA - Alabama Farmers Federation (ALFA) is Alabama's largest car insurance company and offers competitive rates beginning at around $43 per month. Those with a good driving record can qualify for discounts, as can those who take defensive driving courses or have multiple policies.
5. Allstate - Allstate is one of Alabama's top affordable insurers in Birmingham, offering basic coverage starting around $47 per month on average. Discounts are available for safe drivers and those who bundle their auto policy with other types of insurance policies such as renters or homeowners insurance.
6. Progressive -With rates beginning at around $53 per month, Progressive provides Birmingham drivers with some of the most competitive prices on the market, plus a variety of discounts such as those for good students and military personnel.
7. USAA - USAA is another Alabama favorite when it comes to car insurance premiums, with rates starting at around $60 per month. Discounts are available for safe drivers, multiple policy holders and military personnel.
8. Liberty Mutual - Liberty Mutual is Alabama's most expensive car insurer, with basic coverage beginning at $66 per month on average. But the company offers several discounts to help reduce your premium including multi-policy and safety device discounts.

7 Different Auto Insurance Discounts in Alabama

1. Good Driver Discounts: Many Birmingham auto insurance companies offer discounts to drivers who have gone a certain amount of time without an accident or ticket.
2. Multi-Policy Discounts: Alabama car insurance companies tend to reward customers who bundle their policies together, such as home and auto insurance, with discounted rates.
3. Defensive Driving Courses: Drivers in Birmingham may be eligible for discounts on their car insurance by taking a defensive driving course approved by the Alabama Department of Insurance.
4. Vehicle Safety Features: Alabama drivers can qualify for discounts if their vehicles are equipped with safety devices like airbags, anti-lock brakes and more.
5. Military Personnel Discounts: Alabama insurers offer discounts to military personnel and veterans who purchase car insurance in Birmingham.
6. Good Student Discounts: Alabama drivers between the ages of 16 and 25 may be eligible for discounts on their car insurance by maintaining good grades in school.
7. Senior Citizen Discounts: Alabama auto insurers offer discounts to Birmingham senior citizens who meet certain criteria such as driving a limited number of miles per year or having a clean driving record.

Auto Theft Statistics in Alabama

• Alabama had the second highest rate of auto theft in the US with 6,049 cases reported in 2019.
• The top five cities for auto theft in Alabama are: Montgomery (535), Birmingham (521), Mobile (467), Huntsville (363) and Tuscaloosa (275).
• The most commonly stolen vehicles in Alabama are Ford Pickups, Jeep Cherokees, Toyota Corollas and Honda Accords.
• Alabama has implemented several measures to reduce auto theft including a statewide task force that focuses on identifying and prosecuting car thieves. The state also offers incentives such as rewards for information leading to the arrest of an auto thief.

Car Insurance by Marital Status in Alabama

• Married couples may qualify for discounts on their auto insurance in Alabama, as several companies offer marital discounts.
• Unmarried Birmingham drivers may have to pay higher premiums due to their higher risk profile, but can still find competitive rates by comparing quotes from multiple insurers.
• Alabama does not allow gender or age discrimination when it comes to car insurance premiums, so rates are the same regardless of gender or age.

15 Interesting Driving Statistics in Alabama

1. Alabama is one of the most dangerous states to drive in, with a fatality rate of 16.9 deaths per 100 million vehicle miles traveled, according to the National Highway Traffic Safety Administration.
2. Alabama's driving laws are known for being especially strict; speeding more than 25 mph over the posted speed limit can result in a fine up to $500 and possible imprisonment.
3. According to Alabama law, drivers must not use cell phones while driving in Birmingham unless they're using hands-free technology like Bluetooth headsets or dash mounts.
4. Alabama has reinforced its stance on drunk driving by suspending offenders' driver licenses for 90 days on the first offense and longer subsequent offenses within five years.
5. Alabama is the fifth-most expensive state in the U.S. for car insurance, with an average premium of $1,858 per year according to NerdWallet in 2020.
6. Alabama's minimum coverage requirements are 25/50/25, which means you must have at least $25,000 of liability insurance for bodily injury or death of one person, $50,000 for total bodily injury or death in an accident caused by you and a maximum of $25,000 for damage or destruction of property in Birmingham.
7. Alabama roads, including Birmingham, are some of the most congested in the nation; it ranks 20th worst for rush hour traffic delays according to INRIX Global Traffic Scorecard 2019.
8. Alabama ranks 6th for the lowest number of cars per capita in the nation, with just 0.64 cars per person as of 2019 according to Statista.
9. Alabama law requires Birmingham pedestrians on highways and roadways to use sidewalks when they are available, and if they're not available, pedestrians must walk facing traffic at all times on the left side of the road.
10. Alabama has a "move-over" law that requires Birmingham drivers to slow down or move over when an emergency vehicle is stopped on the side of the road with its emergency lights activated.
11. Alabama roads saw an unusual sight driving around during 2020: Amish buggies. Alabama recently passed a law that allows the Amish to drive their buggies on the highways, as long as they have proper registration and insurance.
12. Alabama also requires Birmingham drivers over age 18 to wear a seatbelt while driving or risk a fine of up $25. Passengers must also be buckled in; fines are much higher for younger passengers who are caught not wearing seatbelts.
13. Alabama is among 24 states that still allow drivers to pump their own gas at gas stations, though it's slowly changing as many counties require attendants due to fire safety regulations.
14. Alabama has the 14th worst roads in the nation according to The Road Information Program (TRIP), with 25 percent of Alabama's roads in need of repair or reconstruction.
15. Alabama has the second-highest rate of uninsured drivers, behind only Mississippi, according to the Insurance Information Institute (III). The national average is 13.0%, while Alabama's was 16.5% as of 2019.