Cheapest Albertville Auto Insurance Rate Quotes

I can't think of anyone who anticipates paying for auto insurance, especially knowing they are paying too much.

Sadly, a large majority of auto insurance policyholders have remained with the same auto insurance company for at least the last four years, and just short of a majority have never even compared rates from other companies. Albertville consumers could save $490 each year just by shopping around, but most tend to underestimate the amount of savings they would get if they replace their high priced policy.

With consumers having so many online and local companies to choose from, it can be challenging to choose a lower cost company.

It's important to know that quoting more helps increase your odds of locating more affordable rates. Not every company does quotes online, so it's important to compare quotes on coverage from those companies, too.

The auto insurance companies shown below provide price quotes in Alabama. If more than one company is shown, we suggest you click on several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Albertville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $800 $400 $67
Chevrolet Impala LT $994 $497 $83
Chevrolet Malibu LS $994 $497 $83
Chevrolet Silverado LT Crew Cab 4WD $1,398 $699 $117
Dodge Grand Caravan Crew $944 $472 $79
Dodge Ram Quad Cab TRX4 Off Road 2WD $974 $487 $81
Ford Escape XLS 2WD $662 $331 $55
Ford F-150 XLT Regular Cab 2WD $742 $371 $62
Ford Focus SE 2-Dr Coupe $1,160 $580 $97
Honda Accord EX-L 2-Dr Coupe $1,512 $756 $126
Honda CR-V EX-L 4WD $972 $486 $81
Honda Civic EX 4-Dr Sedan $1,098 $549 $92
Hyundai Sonata GLS 4-Dr Sedan $954 $477 $80
Jeep Grand Cherokee Laredo 2WD $994 $497 $83
Kia Optima LX $1,198 $599 $100
Nissan Altima 3.5 SR 2-Dr Coupe $1,380 $690 $115
Toyota Camry SE $944 $472 $79
Toyota Corolla S $974 $487 $81
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in your specific Albertville location which can alter coverage prices significantly.

Full coverage rates vs. liability-only

The illustration below illustrates the difference between Ford Fusion auto insurance rates with and without physical damage coverage. The rates are based on no driving violations, no at-fault accidents, $250 deductibles, single female driver, and no other discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Are you wasting money paying for full coverage?

There is no set rule to eliminate full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's pretend your Ford Fusion settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after you pay the deductible. If it's costing in excess of $500 a year to have full coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Why you need quality insurance for your vehicle

Despite the high insurance cost in Albertville, buying auto insurance is required by state law in Alabama and it also provides benefits you may not be aware of.

The benefits of having insurance more than offset the price you pay, especially with large liability claims. On average, a vehicle owner in Albertville overpays as much as $700 annually so you should quote rates at every renewal to save money.

Determine discounts on Albertville insurance

Some providers don't list every possible discount very well, so we researched both the well known and also the more inconspicuous discounts that you can inquire about if you buy Albertville car insurance online.Save money with discounts

Drivers should understand that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies wouldn't make money that way.

The best insurance companies and the discounts they provide are detailed below.

If you are trying to find inexpensive Albertville car insurance quotes, ask each company or agent to apply every possible discount. Some discounts listed above may not be available in your area. To view providers who offer discounts in Albertville, follow this link.

Claim statistics by make and model

Which vehicle models have severe claims? The data below show the best and worst manufacturer models for likelihood of having to file claims organized by coverage.

Lowest and Highest Collision Insurance Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Colorado Ferrari 458
Ford F-250 SuperCab Maserati Ghibli
Ford Edge BMW 6 Series
Nissan Xterra Audi RS7
Ford F-150 SuperCrew BMW M6
Smart ForTwo Nissan GT-R

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Liability Coverage Claims
Lowest Claim Amount Highest Claim Amount
Audi A6 Mitsubishi Mirage
Mercedes-Benz SL Class Kia Rio
Subaru Forester Hyndai Accent
Fiat 500 Chevrolet Impala
Chevrolet Corvette Chevrolet Sonic
Subaru Outback Kia Optima

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Chevrolet Sonic
Chevrolet Silverado 2500 Nissan Versa
Audi A4 Allroad Nissan Sentra
Chevrolet Corvette Mitsubishi Lancer
Land Rover Range Rover Sport Hyundai Accent
Ford Expedition Chevrolet Spark

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 BMW M6
Nissan Xterra Maserati Granturismo
GMC Sierra 2500 BMW M6
Chevy Spark Porsche Panamera GTS
Chevy Silverado 2500 Bentley Continental GT
Volvo V60 Bentley Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lower rates by being persistent

We just showed you some good ideas how to find cheaper coverage online. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest Albertville car insurance quotes. You may even find the most savings is with some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

The cheapest car insurance in Albertville can be found on the web in addition to many Albertville insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not offer price quotes online and many times these small insurance companies prefer to sell through independent insurance agents.

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