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Car Insurance
Highland Lakes AL
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(888) 291-7830
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
Alabama has the second-highest car insurance rates in the country. Highland Lakes drivers pay an average of $1,721 annually for car insurance. This is significantly higher than the national average of $1,648. So why are Alabama's car insurance premiums so expensive?
The most likely cause is Alabama's litigious culture and its state legal system. Alabama is a ""fault"" state when it comes to auto accident liability, meaning that if you are at fault in an accident, you can be sued for damages by the other driver. Alabama also has generous laws protecting injured persons who sue for damages. These factors make it more likely that drivers in Highland Lakes will be sued for damages and lead to higher car insurance premiums.
Another contributing factor is Alabama's high rate of uninsured drivers. Alabama has the fourth-highest percentage of uninsured drivers in the country. This means that if you are involved in an accident with an uninsured driver, your own insurance company may have to pay for any damages or medical costs — a situation that will drive up insurance costs for all Highland Lakes drivers.
While Alabama's car insurance rates may seem high, there are still ways to save money on coverage. Shopping around and comparing different rates can help you find the best rate. Additionally, many insurers offer discounts for safe driving records, multi-car policies, and more. By taking advantage of these discounts, Highland Lakes drivers can save money on their car insurance premiums.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,831 |
| 20 Years | $2,309 |
| 30 Years | $1,778 |
| 40 Years | $1,711 |
| 50 Years | $1,585 |
| 60 Years | $1,607 |
| 70 Years | $1,870 |
Young drivers in Highland Lakes face some of the highest car insurance rates in the country. Drivers between the ages of 16 and 25 pay an average of $2,614 annually for car insurance — more than twice as much as Alabama's overall average. Meanwhile, older drivers over the age of 65 pay an average of just $1,224 a year— significantly lower than the state average.
The reason why young people pay so much more for auto insurance is because they tend to be riskier drivers with higher accident rates. Insurance companies factor this into their rates, which leads to higher premiums for younger Highland Lakes drivers. There are also discounts available for safe driving records that can help young Alabama drivers save on their premiums.
In Highland Lakes, drivers of all ages should shop around for the best rates and take advantage of available discounts to save money on their car insurance. By doing so, Alabama drivers can get the coverage they need without breaking the bank.
When it comes to car insurance in Highland Lakes, there are a variety of companies offering different rates and policies. To get the best rate for your needs, it's important to compare the different companies and their offerings. Here is a list of some of the top car insurance companies in Alabama:
Each company offers different coverage options at varying premiums, so be sure to compare them carefully before making a decision. It may also be beneficial to speak with an independent agent in Highland Lakes who can help you find the right policy for your needs.
By taking the time to shop around, Highland Lakes drivers can find the best car insurance policy to fit their needs and budget. Comparing rates and coverage options will help Alabama drivers get the coverage they need at a price they can afford.
|
| Auto Owners | Allstate | Travelers | Safeway | Geico |
| NAIC Market Share | 1.28% | 9.33% | 1.94% | 0.19% | 13.45% |
| S&P Global Ratings | AA- | A- | A++ | BBB | AA+ |
| Average Full Coverage Yearly Premium | $1,391 | $1,307 | $1,233 | $1,416 | $953 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 3 stars | 4 stars |
|
| Auto Owners | Allstate | Travelers | Safeway | Geico |
| NAIC Market Share | 1.28% | 9.33% | 1.94% | 0.19% | 13.45% |
| S&P Global Ratings | AA- | A- | A++ | BBB | AA+ |
| Average Full Coverage Yearly Premium | $1,391 | $1,307 | $1,233 | $1,416 | $953 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 3 stars | 4 stars |
|
| Auto Owners | Allstate | Travelers | Safeway | Geico |
| NAIC Market Share | 1.28% | 9.33% | 1.94% | 0.19% | 13.45% |
| S&P Global Ratings | AA- | A- | A++ | BBB | AA+ |
| Average Full Coverage Yearly Premium | $1,391 | $1,307 | $1,233 | $1,416 | $953 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 3 stars | 4 stars |
2225 Cahaba Valley Dr, Birmingham, AL 35242
(205) 995-1956
http://www.insuranceplacebirmingham.com/
5479 US-280, Birmingham, AL 35242
(205) 588-5208
No website found
3325 Lorna Rd Ste 2, Hoover, AL 35216
(205) 909-5557
https://www.youngamericaauto.com/
32 Manning Pl, Birmingham, AL 35242
(205) 623-0633
No website found
430 Green Springs Hwy Ste 18, Homewood, AL 35209
(205) 304-1246
No website found
1632 Montclair Rd Ste 900, Birmingham, AL 35210
(205) 267-6769
No website found
If you're looking for car insurance in Highland Lakes, your best bet may be to contact an experienced auto insurance agent. Such agents have extensive knowledge of the Alabama auto insurance market and can advise you on which type of policy and company is best suited to your needs. They can also provide helpful tips on how to save money on your premiums.
It's important to remember that not all agents are created equal — some may offer better service than others. Be sure to do your research before choosing an agent in Highland Lakes and make sure they are reputable and experienced.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $4302 | $1000 |
| Reckless Driving | $4203 | $962 |
| Wrong Way/Wrong Lane | $4103 | $951 |
| Driving on Sus. License | $3223 | $917 |
| Illegal Turn | $3196 | $891 |
| Failure to Obey Traffic Sign | $3039 | $882 |
| Speeding over 15 | $2940 | $837 |
| Defective Equipment | $2811 | $794 |
| Speeding under 15 | $1925 | $613 |
In Highland Lakes, traffic violations can result in higher auto insurance rates. Insurance companies use an individual's driving record to determine their risk profile and set rates accordingly. In Alabama, any driver with more than two moving violations within the past three years will likely be classified as a high-risk driver and pay higher premiums.
Driving infractions such as speeding, reckless driving, DUI/DWI, hit-and-run incidents, or other serious offenses can all lead to increased car insurance rates in Highland Lakes. To keep your insurance costs down, it’s important to practice safe driving habits at all times and obey the state laws.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1390 |
| Below Fair | $2347 |
| Poor | $2615 |
| Worst | $2984 |
In Highland Lakes, your credit score can have an impact on the cost of car insurance. Insurers use credit scores to determine the risk associated with insuring a particular individual and may offer lower rates to those with better credit scores. Alabama drivers with higher credit scores generally qualify for lower premiums as they are seen as less risky customers by insurers.
While it's important to consider all factors when shopping for auto insurance in Alabama, remember that there is no one-size-fits-all solution — so be sure to compare different companies and coverage options before making a final decision. By taking the time to shop around and find the best deal, Highland Lakes drivers can save money on their auto insurance premium while still getting the coverage they need.
When considering Highland Lakes car insurance, it's important to also factor in the total cost of owning a vehicle. This includes registration fees, gas costs, maintenance expenses, and more. To get an accurate picture of the total monthly cost of your vehicle, consider all of these factors when comparing Alabama auto insurance quotes.
By comparing Alabama car insurance rates and taking into account all associated costs with owning a vehicle, Highland Lakes drivers can find the right policy for their needs without breaking the bank.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
In Alabama, there are two main types of car insurance coverage — full coverage and liability-only policies. Full coverage auto insurance provides comprehensive protection and includes bodily injury liability, property damage liability, collision coverage, and more. Liability only insurance typically offers less coverage than full coverage but may be a better option for Highland Lakes drivers on a tight budget.
Alabama requires all drivers to carry a minimum level of liability coverage. Drivers must have at least $25,000 in bodily injury liability per person, $50,000 in total bodily injury coverage per accident and $25,000 in property damage liability coverage. Highland Lakes AL also requires uninsured motorist protection with limits of at least $25,000 per person and $50,000 per accident.
By understanding the state auto insurance requirements in Alabama and shopping around for the best rates available, Highland Lakes drivers can ensure they are adequately protected while keeping their costs down.
Non-owner auto insurance is a type of coverage designed for Highland Lakes drivers who do not own a car but still need to drive. Alabama non-owner car insurance provides liability protection in case the driver causes an accident while operating someone else's vehicle. It also helps cover the costs associated with renting or borrowing a car.
The cost of Highland Lakes AL non-owner car insurance varies depending on age, driving record, and other factors, so it’s important to shop around for the best rate available.
Highland Lakes auto insurance companies offer various discounts that can help lower your premium costs. These discounts may include multi-vehicle coverage (if you insure more than one automobile with the same insurer), safe driver discounts (if you have a clean driving record), and bundling discounts (if you have other policies with the same insurer). Alabama drivers may also qualify for lower rates if they are members of certain organizations or take defensive driving courses.
By taking advantage of available car insurance discounts in Highland Lakes, Alabama drivers can get the coverage they need at an affordable price.
If you're a parent of a teen driver in Highland Lakes Alabama, it's important to know that Alabama law requires all drivers to carry liability coverage. While adding teenage drivers to your Alabama auto insurance policy can cause your premium costs to increase, there are several ways to save money. Alabama car insurance companies offer discounts for teens who have good grades and take defensive driving courses; many also provide discounts if the teen drives an older vehicle with limited coverage.
Alabama auto insurance companies offer special discounts to seniors who meet certain criteria. Alabama drivers over the age of 55 may qualify for lower rates if they have maintained a safe driving record and complete an approved defensive driving course. Seniors can also get discounts on Highland Lakes car insurance policies by bundling other types of coverage, such as home or life insurance, with their auto policy.
By getting multiple Highland Lakes car insurance quotes and taking advantage of available discounts, Alabama seniors can find the right coverage for their needs at an affordable price.
Alabama requires some drivers to carry SR-22 insurance, which provides proof of financial responsibility to the state. Alabama drivers who have had their licenses suspended or revoked due to certain offenses such as a DUI may be required to carry an SR-22 policy. An Highland Lakes auto insurance company can provide you with an SR-22 form if needed and make sure that it is filed correctly with the Alabama Department of Public Safety.
Alabama requires all drivers to have a valid driver's license. Highland Lakes residents can apply for an Alabama driver's license by visiting their local Alabama Department of Public Safety office and presenting proof of identity, residency, and Social Security number. Alabama also requires that new drivers under the age of 18 complete a driver’s education course before they can receive their license.
Alabama state law requires all drivers to carry liability coverage on their vehicles. Highland Lakes car insurance policies must also meet certain minimum requirements for bodily injury and property damage liability, along with uninsured/underinsured motorist coverage. Alabama auto insurance companies cannot refuse to insure a driver due to their age or driving record, but they may charge higher rates for those who are considered high-risk drivers.
Your Highland Lakes Alabama car insurance deductible is the amount of money you must pay before an insurance company will cover a claim. Raising your deductible can help lower your Alabama auto insurance premium costs, but it's important to make sure that you can afford to pay the deductible in the event of an accident or other covered incident.
The right Alabama auto insurance policy for you depends on several factors such as your driving record, age, and coverage needs. By getting multiple Highland Lakes car insurance quotes and taking advantage of available discounts, you can find the right coverage for your needs at an affordable price. Be sure to review your Alabama auto insurance policy regularly to make sure it still meets all of your current requirements.
When comparing Alabama car insurance policies, it's important to look at coverage options and costs from a variety of different companies. Geico and Allstate are two of the leading Alabama auto insurance providers, offering competitive rates and a variety of discounts. Allstate is known for its accident forgiveness program, where drivers can avoid rate increases after an accident if they have maintained a good driving record. Geico offers customizable coverage options with flexible payment plans designed to fit any budget. Both Geico and Allstate offer Highland Lakes car insurance policies that meet the state's minimum requirements for liability coverage and provide additional protection for drivers who need it.
State Farm and Liberty Mutual are both major Alabama insurance providers offering competitive rates and discounts. State Farm is one of the largest car insurance companies in Alabama, with a wide selection of coverage options and customizable plans that can be tailored to meet individual needs. Liberty Mutual also offers a variety of Alabama auto insurance policies, including an accident forgiveness program for drivers who have maintained a good driving record. Both State Farm and Liberty Mutual provide Highland Lakes car insurance quotes that meet the requirements for minimum liability coverage, as well as additional protection for drivers who need it.
Nationwide and Progressive are two of the major Alabama auto insurance providers, offering competitive rates and a variety of discounts. Nationwide is known for its usage-based car insurance programs, allowing drivers to save money by tracking their driving habits with an app or device. Progressive offers Alabama auto insurance policies with customizable coverage options and flexible payment plans designed to fit any budget. Both Nationwide and Progressive provide Highland Lakes car insurance quotes that meet the requirements for minimum liability coverage, as well as additional protection for drivers who need it.
Speeding tickets in Alabama can have a significant impact on your auto insurance costs. In Alabama, speeding violations can result in points being added to your driving record, which can lead to higher car insurance premiums. Insurance companies may also charge drivers an additional fee for certain types of moving violations. It's important to keep track of your Highland Lakes driving record and practice safe driving habits in order to avoid any potential increases in your Alabama auto insurance rates.
The Alabama Insurance Commission regulates car insurance rates in Highland Lakes and prohibits insurers from using gender to determine rates. However, auto insurance companies may still consider other factors such as age, driving record, and credit score when setting premiums for Alabama drivers. It's important to shop around for Alabama car insurance quotes and compare different companies in order to find the best coverage at an affordable price.
Working with a local Alabama insurance agent or broker can be beneficial when it comes to finding affordable car insurance coverage. Local agents and brokers can provide Alabama drivers with personalized service and expert advice on how to find the best coverage at the lowest price. They also have access to multiple Highland Lakes auto insurance companies, allowing them to compare rates and policies in order to find the right fit for your needs. Working closely with a trusted agent or broker can help Alabama drivers save time, money, and stress when purchasing car insurance.
The Alabama Department of Insurance offers government-sponsored auto insurance assistance programs for low-income Alabama drivers. These programs provide affordable car insurance coverage, including liability and personal injury protection coverage, to eligible Alabama drivers who meet certain income requirements. The Alabama Department of Insurance also provides resources and information about different types of car insurance policies and discounts available in the state. Working with an Alabama auto insurance agent can help you explore your options in Highland Lakes for government-sponsored auto insurance assistance programs.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Highland Lakes, Alabama. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Highland Lakes, AL.
Bundling auto and homeowners insurance in Highland Lakes promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Highland Lakes insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Highland Lakes at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
