Get the Best Tuscaloosa Insurance Quotes

Blessed with an inviting subtropical climate, diversified economy, excellent healthcare facilities and active cultural scene, Tuscaloosa, Alabama, has been named by Money magazine as one of the best places to live in the U.S. and by Fortune Small Business magazine as one of the 50 Best Places to Launch a Small Business. Unfortunately, home and vehicle owners know that problems like theft, fire and accidents can occur even in the best places. Having the right insurance can protect your financial security, so it's important to get several Tuscaloosa insurance quotes to get the policies you need at affordable premiums.

Tuscaloosa Insurance: Prepare for Disasters

Two severe tornadoes have hit Tuscaloosa in the past 15 years and the area, along with most of Alabama, has been threatened by hurricanes several times. That has affected the rates that you'll pay for Tuscaloosa insurance. With an average premium of $905 for homeowners insurance, Alabama residents pay the sixth highest average premiums in the country, according to 2007 figures collected by the National Association of Insurance Commissioners.

Vehicle owners do a little better, paying an average of $684 for automobile coverage. That makes the state 30th in the nation when it comes to average auto insurance expenditures.

Of course, what you'll pay for your own policy depends on several factors. For homeowners, insurers will look at the age and type of construction of your home, how close it is to fire hydrants or fire stations, and whether or not you have security features like deadbolts or an alarm system. For auto insurance, they'll look not only at your age, sex and driving record but also at the make and model of your car, the number of miles you drive each year, and any extra alarm or safety features (like side airbags) that your vehicle includes.

When you're looking for Tuscaloosa insurance, be sure to compare policies carefully to ensure that you're looking at the same coverages. For homeowner's coverages especially, don't assume that the protection you want will be included. Most standard policies don't cover damage from floods or from sewer backups, for example. If you live in a flood plain-or even if you live outside of one-you may decide it's worth the peace of mind to pay for that extra coverage.

Tuscaloosa Insurance Quotes That Are Easy to Digest

People who love Southern-style barbecue know Tuscaloosa as the home of the original Dreamland Café, founded in 1958 by John "Big Daddy" Bishop. If you love the idea of getting the best Tuscaloosa insurance quotes for your home or your car, make sure that you check out NetQuote.com. When you visit NetQuote you simply fill out one form for your vehicle or your home and submit it-there's no need to visit multiple agents and fill out similar forms over and over again. Once you submit your information, NetQuote will respond with insurance quotes from five or more of the top insurance companies in your area. It's easy and efficient-and the whole process goes down just as easily as some of those Dreamland barbecue ribs.