Best Cheap Auto Insurance Quotes for Drivers with a DUI in Alabama

The words “economical” and “insurance” probably shouldn’t be used together, specifically when you are trying to find the cheapest auto insurance for drivers with a DUI. In an attempt to save some money, let’s learn about some situations that have an effect on auto insurance prices, and find a few ways to lower the cost of the next policy you buy.

Finding decent, low-priced insurance is difficult, and finding out which companies offer the most affordable car insurance rates for drivers with a DUI will take more quotes for comparison. Insurance prices should be significantly more than the average rate in Alabama, with the increase attributed to the extra risk that goes along with selling insurance after getting a DUI, but economical insurance may be achievable with some perseverence. Every insurance provider uses different criteria for determining rates in each state, so let’s begin by examining the car insurance companies that tend to be cheaper in Alabama.

It’s important to know that Alabama car insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. This is why Alabama drivers need to compare lots of rates to get the most economical car insurance rates for drivers with a DUI. Car insurance prices are calculated by many different factors and change substantially, so the most affordable company when you bought your policy may now be wasting a lot of money.

Lowest Insurance Price Quotes after a DUI

Compare Rates and Save

Travelers quotes some of the best car insurance rates in Alabama at around $783 annually. Cincinnati Insurance, USAA, GEICO, and Auto-Owners also qualify as some of the cheaper Alabama car insurance companies.

As shown above, if you are a policyholder with GEICO and switched to Cincinnati Insurance, you could realize yearly savings of upwards of $218. Customers with Auto-Owners might save as much as $370 a year, and Country customers might reduce prices by as much as $395 a year.

To get a quick, customized rate comparison, click here to get quotes or visit any of the low-priced companies below.

These rates are averages across all drivers and vehicles in Alabama and and are not calculated with a price surcharge for drivers with a DUI. So the insurer that is best for you may not even be in the company chart above. That is why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The vehicle needing coverage is a large factor when consumers are trying to find the best cheap car insurance for drivers with a DUI in Alabama. Vehicles with lower performance, good safety features, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models. The lists below estimates coverage premiums for some of the most economical vehicles to buy insurance for.

Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can revise coverage prices substantially.

Prices above based on single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in zip code location which can affect prices substantially.

Price data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can lower or raise prices substantially.

When shopping for the cheapest auto insurance after getting a DUI, one of the many things that auto insurance companies take into consideration when calculating the amount you pay for auto insurance is your address in Alabama. Regions with more people or even just more weather-related claims like Birmingham, Bessemer, and Homewood tend to pay more, whereas areas with less crime or weather claims benefit from lower prices.

The following table ranks the higher priced cities in Alabama for drivers with a DUI to purchase a policy in.

Premium costs are estimated as zip code location can lower or raise premiums considerably.

Cost of full coverage

Finding the best cheap car insurance for drivers with a DUI in Alabama is probably important to most drivers, and a good way to pay lower rates for insurance is to not pay for full coverage. The example below visualizes the comparison of insurance costs with and without full coverage. The rate quotes are based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no additional discounts are factored in.

Averaged for all age groups, physical damage insurance costs an extra $2,368 per year over and above liability coverage. Many people question if buying full coverage is a good investment. There isn’t a written rule to delete comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Get discount Alabama auto insurance

Insurers that offer the best cheap car insurance for drivers with a DUI in Alabama may have rate discounts that could lower prices by as much as 40% or more if you qualify. A list of car insurance companies and their offered discounts are:

• State Farm has savings for good student, multiple policy, anti-theft, driver’s education, defensive driving training, accident-free, and student away at school.
• Farmers Insurance offers discounts for electronic funds transfer, early shopping, teen driver, mature driver, good student, and bundle discounts.
• GEICO has discounts for federal employee, multi-policy, seat belt use, five-year accident-free, anti-lock brakes, defensive driver, and daytime running lights.
• American Family offers premium reductions for multi-vehicle, accident-free, good driver, air bags, defensive driver, Steer into Savings, and early bird.
• Nationwide policyholders can earn discounts including Farm Bureau membership, multi-policy, family plan, good student, accident-free, business or organization, and anti-theft.
• Progressive discounts include online signing, multi-policy, continuous coverage, homeowner, multi-vehicle, and online quote discount.

The information below compares insurance costs with and without some available policy discounts. The premiums assume a male driver, two violations and no accidents, Alabama state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with paperless filing, continuous coverage, multiple policy, passive restraint, anti-theft, and paid-in-full discounts applied. With discounts applied, the the amount saved on car insurance for drivers with a DUI is 28% or $522.

Find the best cheap car insurance for drivers with a DUI in Alabama

Below you’ll find some thrifty ideas that can help you find lower-cost coverage.

• Improve your credit score
• Be a cautious driver
• If possible, do not file small claims
• Remain accident-free and save
• Safer vehicles generally have cheaper insurance rates
• Ensure you have the best deal by shopping around regularly

That last idea is particularly crucial, as was pointed out in this piece. Prices charged by car insurance companies in Alabama change constantly, so don’t hesitate to switch companies if you find a better deal.

Staying with the same company for years is fine, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over the life of your policy. Take a few minutes and compare rates to find cheaper insurance for drivers with a DUI.