The Port City
- Mobile, Alabama is a port city off of the coast of the Gulf Of Mexico.
- This makes it a centerpiece to Alabama culture and transportation.
- Mobile has everything from beautiful fishing communities to large, historical churches.
- With right around 200 thousand people, it is not a small town by any means, but isn’t filled with skyscrapers either.
- This makes it a wonderful and medium sized city to live and make your home.
- Mobile was first founded by the French and its French heritage is still very much evident here.
- The port to Mobile with runs to the Mobile River has always been the heart of the city.
- For its economic ingenuity as well ad beauty that keeps Mobile a great place to live year after year.
- Some interesting places to visit are the Dauphin Island Sea Lab, the Battleship Memorial Park and the USS Alabama which fought in World War II.
- Whether you are visiting for the find dining option, the historical buildings or outdoor recreation, Mobile is sure to catch your eye and your heart.
- Some families choose to settle down in Mobile because of the culture and atmosphere.
- Learn about the Cathedral built in 1855, or the great battleships which are stored in port here.
- If you commute in Mobile, trying to get kids from place to place.
- Or whether you have a job inside the city but live on the outskirts, you need great car insurance.
- Maybe you plan to purchase a home here and settle in to raise a family.
- You will need the homeowners insurance that will protect you.
- Get the cheap insurance Mobile residents want and need to feel secure.
Insurance Requirements Mobile
Car Insurance
- Car insurance in Mobile and the great state of Alabama is mandatory in order to drive.
- Like most states, you must have not only insurance but a valid drivers license and current registration in order to operate a vehicle.
- Getting the best car insurance means talking with a broker and finding out if you qualify for discounts,
- If you have a loan out on your vehicle, or lease one, you will need full coverage.
- Getting your car insured is most likely a necessity for you and your family.
- We depend on our cars so much.
- So make the right decision and get the cheap car insurance Mobile drivers need.
Here is what you will need to be covered by the minimal amount:
- Liability Insurance
- $25,000 for bodily injury to another person
- $50,000 for bodily injury to all other persons
- $25,000 for injury or destruction of another individual’s property in a single accident.
If you want full coverage here is what you could attain:
- Collision insurance which will cover your car and yourself in an accident
- Comprehensive coverage will pay for theft of a vehicle as well as other minor damages not incurred in an accident.
- Towing and Roadside Assistance are great features you can add to your insurance policy.
- Uninsured motorist coverage to protect you against other drivers that don’t have insurance.
- The number of uninsured drivers in California are estimated to be as high as 23%. Keep this in mind when you are choosing whether or not to purchase the optional Uninsured Motorist Coverage
- A deductible is an agreed upon dollar amount in which you “share the risk” with your insurance company if your vehicle is damaged.
- For example, if your vehicle is worth $10,000 and your deductible is $500, in the event of a total loss, your insurance company will pay up to $9,500 (after your deductible is paid).
While Mobile only has around 200,000 residents, there are over 1.2 million people living with 60 miles of the city, and many of those residents commute in. This has the effect of increasing traffic, as Mobile is the main city in the area. The best thing drivers can do to lower their rates is compare all the options for cheap insurance Mobile can offer. There are many different companies competing for your business, so chances are good that you can find a lower rate if you’ve been with your company for more than a year.
Mobile Insurance Info
- Rates can vary by zip code and neighborhood. Ashland will have lower full coverage rates than an area like Midtown. Some of this is due to population density and traffic, but also local crime statistics.
- There were about 550 cars stolen in 2012, which is pretty good for a city this size. This probably means that comprehensive coverage rates are pretty fair.
- Tropical storms and hurricanes can be a factor in your insurance rates, as comprehensive coverage generally applies to weather damage.
- Mobile’s cost of living is low, for a metro area. It’s 15% lower than the national average, and almost 10% lower than Alabama’s average.
- Alabama’s insurance requirements represent the cheapest option in the state, but purchasing additional coverage is recommended.
Recommended Coverage
- Uninsured Motorist Coverage: Alabama’s rate of uninsured drivers rivals California’s, at 22%. This means that UM coverage should be purchased on every policy because the cost of replacing your vehicle (or paying your injuries) will otherwise come out of your own pocket if an uninsured driver hits you.
- Comprehensive Coverage: This protects you for auto theft, but also weather damage (any damage not caused by a traffic collision).
