Cheap Insurance Mobile

Cheap Car Insurance Mobile

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).

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