Why Is Car Insurance so Expensive in Alabama?

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You have many options when it comes to car insurance in Alabama. Although there are companies offering cheap insurance in this state, they can be difficult to find, which can make shopping for a policy very frustrating. In this article, we’ll talk about the different factors that affect car insurance prices in Alabama, as well as how you can find affordable policies.

Why Are My Premiums so High?

car insurance so expensive in alabamaThere are many factors that affect the cost of your car insurance premiums. Car insurance is actually slightly less expensive than average in Alabama. However, you may be charged high insurance premiums because of various individual factors. One of the most important factors is your location. If you live in a big city, you are likely going to pay higher insurance premiums than someone who lives in the country. The most expensive cities to insure in Alabama are Birmingham, Montgomery, Mobile, and Huntsville, which just happen to be the largest cities in the state. In large cities, there are more cars on the road and higher crime rates, which means that car insurance claim rates are higher too.

Another factor that affects your car insurance premiums is your age and experience. If you are a teen or young adult driver, you will almost certainly pay more for your premiums than someone who is more experienced. Insurance companies also look at your existing driving record to determine how much of a risk you are to insure. If you have accidents or driving violations on your record, or you have made several insurance claims in the past, you will probably be considered a riskier customer to insure, and therefore have higher premiums.

Finally, car insurance companies will look at the type of car you drive to calculate your premiums. They will look at how likely the car is to break down as well as how much the car would cost to repair after an accident. If you have a specialty vehicle, like a classic car or an RV, those are going to cost the most to insure because they are very difficult to repair.

What Can I Do to Bring My Car Insurance Premiums Down?

There are many things you can do to lower your car insurance premiums in Alabama. Here are just a few things you can do to bring your rates down.

  • Drive safely. The fewer accidents and tickets that are on your record, the lower your premiums are going to be. Put your phone and other distractions away while you are driving, and focus entirely on the road. You should also make sure you’re never driving under the influence of alcohol, medication, or anything that could alter your ability to drive at your best.
  • Take a driver’s safety course. Many insurers will give you a discount on your insurance if you take a class on defensive driving. These classes teach you helpful skills to stay safe on the road, and they are usually short and relatively inexpensive. If you’re interested in using a driver’s safety course to get a discount, talk to your insurance company to see if it’s something they offer.
  • Improve your credit score. Insurance companies do look at your credit score when determining your premiums, although it’s not the only thing they consider. If your credit score is low, make sure you’re paying your bills on time, and make efforts to reduce your overall usage. Making slight improvements to your credit score can make a big difference in the cost of your insurance premiums overall.
  • If your monthly premiums are eating into your budget, consider increasing your deductible. This means you’ll pay more out-of-pocket if you do make a claim, but your monthly premiums will be much lower. If you don’t drive much anyway and are financially stable, this is an easy way to bring your premiums down.

What Can I Do to Bring My Car Insurance Premiums Down”

The cheapest car insurance in Alabama for you will depend on your personal driving history and financial situation. However, on average, the five cheapest car insurance companies in Alabama are Travelers, Cincinnati Insurance, USAA, GEICO, and Country, according to The Zebra. When looking for car insurance, you should always get quotes from multiple companies and compare their value, since every company operates differently. You should also keep in mind that the cheapest insurance isn’t always the best option – you’ll need to consider the overall value as well. You should also ask your insurance agent about discounts – most companies have a large list of discounts that you may qualify for.

Although car insurance in Alabama can be expensive, you have plenty of options to choose from. Shopping around is the best way to make sure you’re getting the best value possible, so look at both local and national companies.

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