Florence, AL Car Insurance

Florence is the merger point for two major US highways, as well as several busy state highways. With road construction and congestion common in the area, even the most careful driver can get into an accident. But with car insurance, you can have the peace of mind you need to drive with confidence. A reliable car insurance policy can help you face the financial consequences of a car accident head-on. 

Don’t go it alone. A local independent insurance agent can take the confusion out of shopping for car insurance. Independent agents can explain your options, help you comparison shop, and arm you with the information you need to make the best choice for your needs and budget. 

Alabama Car Insurance Requirements

All Alabama drivers must have car insurance. But this isn’t the only reason to have car insurance. Without it, you are entirely unprotected from the financial consequences of causing a crash. The following are the minimum coverage requirements for Alabama drivers:

· Bodily injury liability: Required

· Property damage liability: Required

· Personal injury protection (PIP): Not required

· Uninsured motorist coverage: Not required

· Minimum liability limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage

If you cause a major collision, the resulting expenses can be insurmountable without insurance. Any expenses that exceed your coverage limits must be paid out of pocket. If you are sued for negligence, you may never recover financially. Purchasing liability insurance limits that are higher than the state minimum is a good idea for most drivers. With the help of an independent agent, you can assess your risks and determine how much liability coverage is necessary to adequately protect yourself.

How Much Does Auto Insurance Cost in Florence, Alabama?

Alabama is the 22nd most expensive state for car insurance. Car insurance costs in Alabama are similar to the national average and are even lower in Florence. That’s great news if you are in the market for an affordable car insurance policy. 

• National average annual car insurance cost: $1,311
• Alabama average annual car insurance cost: $1,320
• Florence average annual car insurance cost: $1,182

Your car insurance rates will likely be more or less than the average for your city. Car insurance premiums are highly individualized. What you pay is based on factors such as:

• Your age, gender, and marital status 
• Your driving history and credit score
• Your car’s year, make and model
• The approximate number of miles you drive each year
• The coverage limits, coverage options and deductibles you choose
• Whether you are bundling your auto insurance with other policies like homeowners insurance or renters insurance

Insurance companies use proprietary formulas to calculate their rates. They evaluate individuals on how risky they are to insure and how likely they are to file a claim. Fortunately, even if you are a risky driver, you probably qualify for at least one discount to help offset some of the expenses. Consider bundling your car insurance with your home insurance or renters insurance in order to receive the best rates. An independent agent in Florence can help you compare quotes, choose policy options and maximize your discounts. 

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Number of Uninsured Motorists in Alabama

Uninsured drivers in Alabama are breaking the law. Driving without insurance will lead to stiff fines and penalties, and even a suspended or revoked license. Unfortunately, Alabama has the 6th highest percentage of uninsured drivers in the US. 

• How many US drivers are uninsured? 13%
• How many Alabama drivers are uninsured? 18.4%.

Uninsured motorist coverage is required in some states, but not in Alabama. But without it, you could face serious financial consequences if an uninsured, underinsured or hit-and-run driver hits you. If you have uninsured motorist coverage, you’ll be reimbursed for your vehicle damage and medical expenses, even if your insurance company can’t collect from the at-fault driver. If that driver can’t or won’t pay, your insurance company absorbs the costs, instead of you.

Number of Auto Thefts in Alabama

The auto theft rate in Alabama is lower than the national average. But you are slightly more likely to have your car stolen in Florence than other areas of the state. On average, 106 cars are stolen each year in Florence. If you don’t have the right insurance coverage, you’ll have to pay to repair or replace your car on your own. 

• National auto theft rate per 1,000 vehicles: 2.28
• Alabama auto theft rate per 1,000 vehicles: 2.68
• Florence auto theft rate per 1,000 vehicles: 2.65

That’s why it’s important to consider adding comprehensive coverage to your auto insurance policy. It covers theft, vandalism, and all kinds of “other than collision” vehicle damage. What’s more, your lender will likely require this coverage if you have an auto loan. Talk to a local independent agent about comprehensive coverage, and how it can help you pay for damage to your car in a variety of unforeseen circumstances. 

Why Contact an Independent Insurance Agent?

Independent agents are a great resource for information and assistance when you are shopping for auto insurance. Your independent agent can explain your coverage options and pricing and can offer quotes from multiple insurance companies so you can make an informed choice. 

Contact an independent insurance agent in Florence to get started.