Cheap Insurance Birmingham

Magic Of The South


Birmingham, Alabama is the largest city in this great state.

With over 200 thousand people, it is a relatively small city for being the largest in the state.

This says something about Alabama.

Alabama is a rural and quaint state that holds on to its traditions and history.

Alabama was once a merger of three cities, which then grew into just one.

Known for the steel and iron industry, Alabama has always been home to the working class people.

Birmingham is an amazing place to live and the residents here agree that there is never a limit to what you can do.

The city itself is filled with pride from its food to microbreweries.

People here call it the heart of dixie, and visitors are taken by the hospitality.

Home to the University of Alabama School Of Medicine, college students and post graduates come here from all over to become doctors.

There is also the University of Alabama Birmingham campus as well as three private colleges.

For not being a very large city, there is a lot to note about education.

If you are visiting here, check out the Birmingham Botanical Gardens or the Birmingham Zoo.

When you live here you may have to commute around town.

And when you look for a place to settle down, purchasing a home may be in your future.

Get the cheap insurance Birmingham has to offer.


How Can I Attain The Best Insurance In Birmingham?


To get the best insurance in Alabama, you should talk with a broker,

A broker is a professional who is trained in the insurance industry.

You can ask them about discounts, how much insurance you need in your state and much more.

When you bundle your insurance coverages you also save.

Insurance companies love to reward their loyal customers by giving them a price break.

Start by looking into agencies that will do this for you.

You could bundle car and homeowners insurance for example.

You will also want to get familiar with the laws in your state.

If you are hoping to save money at all, understand first how much insurance you need.

Come to your broker with an idea of what you are looking for.

Getting ready to purchase a home? Or need to see if renting is better?

Get a quote for both instantly.

Make sure you have the cheap insurance in Birmingham.

Let’s see what kind of insurance policies you might be looking for.


Insurance Requirements Birmingham

Car Insurance


Car insurance in Birmingham is mandatory and affordable.

You must obtain the minimum amount for the state requirements, but there are always discounts.

Car insurance is not the only thing you need in order to drive in this great city.

You will also need a valid drivers license and current registration on the vehicle you posses.

Get the cheap car insurance Birmingham drivers want to feel protected while out on the road.

If you have a loan out on your vehicle you will need to have full coverage.

This means adding collision and comprehensive coverage to your policy at the very least.

Ask your broker about what additional coverage you need.


Here is what you need to drive a car in this city:


  • 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.
  • You can also have uninsured motorist coverage which will still cover you even if the other party in the accident cannot.


Get what you need today by calling and talking with a helpful representative.

You can get a free instant quote by clicking on the link button below.

Car Quote


Motorcycle Insurance


Motorcycle insurance in Birmingham is very similar to car insurance.

You need to have motorcycle insurance in order to ride a bike in this state.

But many riders know that getting on the back of a bike is not only dangerous for you but others as well.

This is why most motorcycle enthusiast choose to carry full coverage.

Depending on what kind of bike you have and how safe of a rider you are, you could save.

Getting discounts for being a safe rider is great.

There are many factors that go into determining how much your insurance bill will be.

Credit, zip code and age are all factors that your insurance company takes into account.

Get the cheap motorcycle insurance Birmingham riders want.

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 are hoping to attain full coverage you will need the following added to your policy:
  • 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.
  • Safety Apparel- you could get your helmet and other protective gear covered.
  • Custom Parts
  • Medical Coverage- this is a must when riding a motorcycle
  • Towing- very useful for when you break down and are left stranded on the side of the road.
  • Uninsured Motorist- when the other party fails to carry insurance, you will still be covered.
  • Roadside Assistance- you can use this for emergencies and even flat tires.


Know what you need by asking a helpful representative.


Cycle Quote


Homeowners Insurance

When you purchase a home you are making one of the largest investment in your life.

Maybe this is your first home, or your fifth rental property.

Either way, you will need great homeowners insurance.

If this is the place where you and your family will reside, you will want to protect it.

You could be covered for theft, liability, damages and much more.

Purchasing a home is a life changer, and you will want someone that knows what they are doing to help you through the insurance buying process.

Get the cheap homeowners insurance Birmingham buyers want today!

  • When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.
  • Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages.


What does homeowners insurance cover:


  • 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.


Home Quote


Life Insurance


Giving the gift of life insurance is one of the best things you can do for those you leave behind.

It may not be a pleasant topic but you must talk about the inevitable.

Your dependents deserve to have the financial stability they have been living with.

Life insurance can help pay for debts, mortgages, college, and funeral expenses.

Get the cheap life insurance your family deserves.

Talking with a financial advisor is always a good idea to find out how to best conduct yourself with your own money.

You can choose from a term life insurance plan or a permanent life insurance plan.

There are always multiple options so don’t settle for the first one you see.


How do I know if I need life insurance?


  • 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.
  • Sometimes business require life insurance. Maybe you are a business partner and other people rely on you, life insurance can cover costs you may owe.
  • If you are a child of a dependent parent that you solely care for, you will need life insurance.
  • If you are the sibling to a dependent adult who you care for or pay for, you will need life insurance.
  • Life insurance doesn’t just mean covering costs after death. It means helping those who are mourning a loved one.
  • Even if you are single, with no children, you should have life insurance. You may not have to leave a college fund for anyone, but your debts and obligations still need to be paid for.


Get the best insurance in Birmingham and look no further than Cheap Insurance for all of your brokerage needs.

Life Quote


Health Insurance


When you are trying to live your healthiest lifestyle you may try many different things.

Eating right and getting plenty of exercise is a great way to ensure you will have a long life.

But there will be times when you need a doctor.

Health insurance is mandatory in the United States.

This means that you must have it and the good news is that rates for health insurance is based on your income.

This means that even if you make less than you’d like to, you can afford health insurance.

Get the cheap health insurance Birmingham families want to feel healthy.


What can health insurance do for me?


  • In a traditional healthcare plan, the doctor is reimbursed for all or some of the patients visits by the healthcare insurance company. This gives the patient the freedom to choose their own doctor and plan. For this type of plan, there is a premium paid and usually a yearly deductible.
  • Through managed care policies, the insurance company must approve certain aspects of care for the patient.
  • The portion of the U.S. economy spent on healthcare is almost 20%.
  • People in our day and age cannot afford to pay for healthcare costs out of pocket. This is why we have insurance. We also have government subsidies for people who qualify.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.
  • You could save money on your health insurance by bundling it with other insurance policies such as auto or homeowners. Americans save an average of 16% on their insurance by doing this.
    • 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 can’t afford to own a home right now, renting is a great substitute.

In fact, many times renting means way less responsibility.

Maybe you are a college student, or a new family, either way a rental can truly become your home.

Landlords rarely have enough homeowners insurance to cover their tenants.

This is why you need to have your own protection.

Renters insurance could cover theft, liability and damages.

Get the cheap renters insurance Birmingham tenants need to feel secure.


What is covered with renters insurance?


  • Theft- if someone comes into your home and steals any personal property
  • Fire or lightning damage- mother nature has a way of damaging property
  • Smoke damage- a small kitchen fire can cause a lot of damage, be covered.
  • Water damage- if there is any water damage to the house you are renting it could costs thousands to repair
  • Hail or windstorm damage- Live in a place with high winds? Be prepared.
  • Damage from falling objects- If a tree falls, it can cause some serious damage.
  • Personal property- Jewelry, furs, fine art, and the excess things in your house not covered by theft.
  • Dwelling- major property coverage that protects house and attached structures.


Renters Quote