Auto insurance in Birmingham and Trussville, Alabama
Personal auto quotes from Progressive, GEICO, Liberty Mutual and other carriers we represent, with coverage advice that goes beyond the state minimum. Motorcycle, RV and boat too.
One quote request, several carriers
Auto insurance rates in Alabama vary widely between companies for the same driver, and the cheapest carrier for you this year may not be the cheapest next year. As an independent agency we quote your vehicles across the carriers we represent and show you the comparison. When rates move at renewal, we can re-shop the policy without you having to call around.
Coverage we recommend
Alabama's minimum liability limits are 25/50/25, which is rarely enough to cover a serious accident or a newer vehicle. We typically recommend liability limits of at least 100/300/100, uninsured and underinsured motorist coverage matching your liability limits, comprehensive and collision on vehicles worth insuring, medical payments, rental reimbursement, and roadside assistance. For households with significant assets, a personal umbrella adds $1 million or more above your auto and home liability for a modest premium.
Uninsured motorist coverage in Alabama
Alabama has one of the higher rates of uninsured drivers in the country. Uninsured/underinsured motorist coverage pays for your injuries and lost wages when the at-fault driver has no insurance or not enough. It is inexpensive relative to what it covers and we recommend keeping it on every policy.
Bundling and discounts
Bundling auto with your homeowners or renters policy is usually the largest single discount available. Beyond that, we apply multi-vehicle, safe driver, paid-in-full, paperless, good student and telematics discounts wherever a carrier offers them.
Motorcycle, RV, boat and specialty vehicles
We write motorcycle, RV and travel trailer, boat and personal watercraft, and classic or collector vehicle policies through Progressive, Foremost and other specialty carriers. Boats on Logan Martin, Smith Lake or the Gulf, and RVs stored at a seasonal site, each have their own considerations that we'll walk through.
Work vehicles
If a truck or van is titled to a business, hauls tools or product, or is driven for work most days, it needs a commercial auto policy. Personal policies exclude most business use, and a denied claim on a work truck is an expensive way to find that out.
Auto insurance questions
What are Alabama's minimum auto insurance requirements?
Alabama requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage (25/50/25). Those minimums are low relative to the cost of a serious accident or a newer vehicle, and we generally recommend 100/300/100 or higher plus uninsured motorist coverage, which is inexpensive in Alabama and pays when the other driver has no insurance.
Does Alabama require uninsured motorist coverage?
Carriers must offer it and you can reject it in writing, but we strongly recommend keeping it. A meaningful share of Alabama drivers are uninsured, and uninsured/underinsured motorist coverage is what pays your medical bills and lost wages when one of them hits you.
Will bundling with my home insurance lower my auto rate?
Usually yes. Multi-policy discounts are among the largest available, and Liberty Mutual, Progressive and others reward customers who keep both policies with them. Because we represent several carriers we can show you the bundled and unbundled price for each.
Can you insure a work truck or a vehicle used for my business?
If a vehicle is titled to a business, used to carry tools or product, or driven for business regularly, it belongs on a commercial auto policy rather than a personal one. Personal policies exclude most business use. We write both and will tell you which one you need.
What discounts are available?
Common discounts include multi-policy, multi-vehicle, safe driver, paid-in-full, paperless and automatic payment, good student, and telematics or usage-based programs. We apply every discount each carrier offers when we quote.