Insurance In Alabama


Alabama is a Southern gem where flatlands, lakes and history come alive. Bordered by land of three sides and the Gulf Of Mexico on the other, Alabama is unique indeed. Nicknames as "The Yellowhammer State" after the state bird, Alabama has much more to offer than one might think. Some might also call it "the heart of dixie" or"the cotton state". This state has history in having cotton plantations as well as sugar plantations.

Income statistics for Alabama rank it 44th in the Nation in per capita incomes.

Earnings come predominately from service, governmental agencies and durable goods industries.

The population has grown steadily for the last century, but has tapered off the last few years.

There are still close to 5 million residents.

The highest concentration in urban areas like Birmingham and Montgomery.

There are some amazing places to visit in Alabama such as the U.S. Space and Rocket Center. Check out the USS Alabama stationed here that was once a great war ship. The Bellingrath Home and Gardens is a wonderful and peaceful place to visit. With an amazing college like The University of Alabama, college students flock here from all over the country. Football is a sort of religion in Alabama. The University is one of the best schools for football in the nation. Whether you live here or are just visiting, there will be an unexpected experience for you. And if you live here, you will need the cheap insurance Alabama residents want.    

Alabama Facts

  • Alabama has a graduated licensing program including nighttime and passenger restrictions for young drivers.
  • This great state has 3 different insurance coverage markets for drivers with spotless records, fair driving records or poor driving records. Practicing safe driving and avoiding accidents or tickets pays big dividends in Alabama.
  • Alabama ranks 4th in the nation for vehicle exports. Four major car manufacturers have sites in the state: Hyundai, Honda, Mercedes, and Toyota.
  • Alabama workers were the first to build a rocket ship which was launched into space.
  • Montgomery is the birthplace of the Confederate States Of America.
  • The longleaf Pine is the state tree.
  • Alabama is the 22cd state to be inaugurated to the United States.
  • Martin Luther King was from Alabama and his church still stands here.
  • There are many museums dedicated to the history of the civil war and to the civil rights movement.

Car Insurance


Making sure that you have the best car insurance in Alabama means talking with a broker. These professionals are there to help you with the laws of the state. You can also get discounts for being a good driver or for having multiple cars on one policy. Getting the cheap car insurance Alabama residents need can be easier than you might think. If you have a loan out on your vehicle, you will need to have full coverage, if not then minimum coverage is fine. The best way to search for car insurance is to know about yourself and the type of car you have.     Here are some questions you should ask yourself:    
  • What is your age and the age of your drivers? Did you know that the younger the driver the more the policy?
  • Teenagers are four times more likely to get into an auto accident. Because of this, insurance policies for younger people can be much more.
  • There are insurance policies for risky drivers as well. You may pay more for your insurance policy if you are a "high-risk" driver.
  • Having multiple tickets, or a DUI, you may be unable to attain the lowest insurance policy.
  • However, Cheap Insurance can make sure you are still covered with the insurance that is required.

 Alabama minimum car insurance requirements:

  • 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.
  There is extra insurance you can attain such as roadside assistance and uninsured motorist. Ask your broker what you might want and how you can get it for the best price. Get that quote today by clicking on the button below.   Car Quote  

Motorcycle Insurance

    Motorcycle insurance is important if not more important than car insurance. Why? Because it is much more dangerous to ride a motorcycle. Alabama has laws when it comes to how much motorcycle insurance you need. In the state of  Alabama, there are multiple ways to show proof that you can financially cover an accident. YOu can get a financial bond, or have motorcycle insurance. The best way to establish financial responsibility is buy having motorcycle insurance. Get the cheap motorcycle insurance Alabama residents want to feel safe. You can also establish financial responsibility when you purchase a traditional liability insurance policy.   You could obtain one of the following:     If you choose to have motorcycle insurance, which we encourage, here is what you need:   You must purchase liability coverage or obtain a Motor Vehicle Liability Bond or Certificate of Cash Bond to legally operate your motorcycle or street-legal moped or scooter on state roads.  

If you choose to purchase motorcycle insurance, your policy must include:

    • $25,000 injury liability for one person
    • $50,000 for all injuries in one accident
    • $25,000 property damage in one accident
  You can have more if that is what you want.  
  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.
  Get the insurance you want at the price you deserve today!   Cycle Quote  

Homeowners Insurance

    When you purchase a home, you are making a large investment. In Alabama, homes are still quite affordable compared to most of the United States. This is a good thing for you! You will still need to obtain the cheap homeowners insurance Alabama buyers want to be protected. You could be covered for theft, liability, and damages to the home you love and care about. Your assets inside your home are probably worth more than you might think. Make an inventory list of what you have and what it is worth. You will want these things covered by an insurance company you trust. It's easy to see why you and your family deserve to be protected!  

Here is what could be covered in a great homeowners insurance policy:

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.
  • Additional coverage available for more valuable items (jewelry, fur, silverware, etc.). If coverage above the limited coverage amount is required, a “rider" should be purchased. This coverage offers a broader range of perils.
  If you install an alarm or sprinkler system, you could save on your insurance policy. Any way that you can protect your home such as living in a gated community could help shed dollars off of your premium.   Home Quote  

Life Insurance

    When you are searching for life insurance, make sure you understand how much you will need. That is where a broker can come in handy. Alabama families want to be protected even after their dependent is gone. This means that if you have dependents such as a spouse or child, you need life insurance. Get the cheap life insurance Alabama families deserve to have now. Life insurance can be used for paying off debts, mortgages and helping with funeral arrangements. You can't ask for a better gift than the gift of financial security for those you love. Leave behind a legacy which can help with the mourning your family will be feeling.  

How does life insurance work in Alabama?

  • It is important to keep current on life insurance.
  • It used to be that professionals recommended you carry a benefit amount of 10 times your yearly income. Times have changed, and the price of everything has gone up.
  • Most experts now recommend you get coverage equal to 20 times your household income. Studies show that most American families are under-insured, by a gap of about $320,000.
  • There are over 800 life insurance companies in the United States. With this amount, you are most likely going to find the perfect policy to meet your needs. Only 60% of all American have a life insurance policy in the works. This means that there are a lot of families still out there who will be stuck paying for the deceased.
  • If you have anyone in your life that depends on you financially for any reason, you need cheap life insurance.
  • If you area spouse or a parent of a child, when you pass, you will leave them with all of tour financial obligations. Make sure they are in situation where your debts don’t become their burdens.
  When you are ready to purchase a life insurance policy,  make sure you talk with a professional about what might work best for you. Speaking with a financial advisor may be a great idea as well. Don't skip out on giving your family even more stability. Get your free quote for Alabama now!   Life Quote    

Health Insurance

    Living healthy in a place like Alabama is easy to do. There are so many outdoor activities and great agriculture that makes healthy food. When you live a healthy life by eating great food and being active, you lower your risk of getting sick. But from time to time we all need a doctor. You will want your family to have a doctor you like and trust while still affording to pay for insurance. Health insurance in the United States is mandatory and this means you must have it. Luckily a lot of the policies out there are based on your income. If you don't make very much money, you can still afford to be insured in the great state of Alabama. Get the cheap health insurance Alabama families want to stay healthy. There are many different ways to save money on your policy. You can raise your deductible to lower your premium. Ask your broker about other ways you can cut costs on the insurance you must attain.    

How can I get a great policy?

  • Costs can vary wildly between policies. With our national network of Health Insurance Professionals we can help you find all the possible discounts available to you.
  • Knowing what is out there will help you get the most for your money, and at CheapInsurance.com we've been helping customers do just that since 1974.
  • Shopping prices and comparing plans are the key to finding the right balance.
  • Always double check with your doctor if the screenings and tests they want to give you are necessary.
  • Practice living healthy and preventative care. This is the best way to cut costs on going to the hospital.
  • Be very honest with your health care agent. We want to find the best option that works for you and we need all of the correct information on your health and background.
    Health Quote  

Renters Insurance

    Even if you don't own a home in Alabama, you still deserve to have great insurance. Protecting yourself and your family is a priority to you. So why not ask about the best renters insurance in Alabama. Renters insurance can cover you for theft, liability and damages to your home. You could be covered for as little as $20 a month! Get the cheap renters insurance Alabama tenants want to feel safer today! The best part about renting a home is that you don't have the same responsibility as a homeowner. Many landlords don't hold a large enough homeowners policy to cover their tenants. This means that you will want to have your own insurance foe the assets in your home.    
  • Renters insurance is a smart idea because the liability you have renting someone else's house is huge. When people visit or animals come over, there are always things that can go wrong. Especially houses with a swimming pool should really consider liability coverage with your renters insurance.
  Renters Quote