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An Insider’s Guide to Alabama Insurance


Alabama Insurance is not a one size fits all proposition. Thanks to state specific laws and regulations, getting Alabama insurance quotes is an entirely different animal than if you crossed the border into Georgia, for example. Add to that the fact that every Alabaman has their own unique set of insurance needs that have to be met, and it’s easy to see how trying to tackle the subject of insurance in Alabama can be just as daunting as trying to bring down Heisman Winning Tide running back Mark Ingram in the open field. That said, finding the right insurance at the right price can mean big savings for you and your family, good economy or bad, which is why it’s vital that you understand the ins and outs of shopping around for the best Alabama Insurance Quotes possible if you want to do right by you and yours.

Alabama Insurance 101

The big question for most Alabamans is where to begin? The easy answer is to start simple. What type of insurance are you searching for? Most of your insurance needs can be met by focusing on automobile insurance, homeowners insurance, life insurance , health insurance and business insurance. Here’s a quick primer to get you in the know.

    • Alabama automobile insurance — Alabama is what’s known as a Tort State in the insurance industry. Put simply, that means that the state requires you to carry liability insurance if you own a car. Specifically, your car insurance policy must provide minimum coverage of $25,000 for the injury of a single person, $50,000 for the injury of multiple persons, and an additional $25,000 to cover any possible property damage (which includes damage to other vehicles) if you’re in an accident and determined to be at fault. What does that mean in real dollars and cents? In a 2006-2007 study done by the independent Insurance Information Institute, Alabamans paid out an average of $684 a year to stay in the state’s good graces.
    • Alabama Homeowner Insurance — Unlike auto insurance, the state of Alabama does not require you to carry homeowners insurance (though most mortgage providers require you to insure your home if you’re carrying a mortgage). Laws and requirements aside, if you’re a homeowner, or even a renter, this is one insurance need you don’t want to overlook. Southern Alabama has the bragging rights when it comes to thunderstorms, experiencing more powerful storms per year than anywhere else in the United States (and for the record, Northern Alabama is no slouch, either). That means high winds, hail, lightning strikes, and driving rains, all of which can take a heavy toll on even the best built home. Add to that the occasional hurricane along the Gulf Coast, and making sure that your home is amply protected should be a no-brainer in the state of Alabama.
    • Alabama Life and Health Insurance — The last two categories of insurance that Alabamans are likely to be on the hunt for is life and health insurance. Where life insurance is concerned, the main thing to consider is who you need to protect in case the worst should happen. Who in your life relies on your income to survive, and what are they going to need to maintain their present quality of life if you’re no longer there to provide for them? Health insurance is another beast altogether, as we all know. Hopefully the coverage provided by your employer is ample, but if it’s not, there’s no area of insurance that requires more comparison shopping if you hope to get the best possible coverage for a reasonable price for you and your family.

How to Get the Best Alabama Insurance Quotes

It might sound overly simple, but the best strategy for getting the best rates on Alabama insurance is to shop around. The auto insurance industry is a competitive one, to say the least, and they’re not inclined to give handouts. The best deals come to those who aren’t afraid to get their hands dirty, and that means doing your homework, knowing exactly the type and amount of coverage you need, and comparing the rates offered by a number of insurance providers in your area. Price breaks for insuring multiple cars, coupling up auto and homeowners insurance, and perks like good driver discounts are there for the taking if you qualify, but the consumer who takes the time to compare multiple offers is going to get the best rate every time. Whether you use a service like NetQuote .com that does that legwork for you, or choose to go it alone, the old saying that you need to “walk the walk and talk the talk” is a good one to live by if you’re looking for favorable Alabama insurance quotes in the Deep South.

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