Best Cheap Auto Insurance for Infrequent Drivers in Alabama

Wouldn’t life be great if we could just give you the name of the one auto insurance company that has the cheapest rates for infrequent drivers? Unfortunately, it’s just not that easy, as there are a lot of unknown aspects like if you are requesting full coverage, your credit score, if you have ever let your coverage lapse, and what liability limits you need. This article will cover these types of topics and will hopefully give you a good start to your coverage search.

Everyone has different tastes in autos, and the style of vehicle that is being insured is one of the biggest factors when shopping for the best cheap car insurance for infrequent drivers in Alabama. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost much more to insure than safer models. The data below shows car insurance premiums for a selection of the more afforable vehicles to buy coverage for.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific Alabama garaging location which can revise price quotes greatly.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location information which can alter coverage prices significantly.

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific garaging location which can influence prices significantly.

One of the more important things that influence the annual cost of car insurance is where your car is garaged in Alabama. Larger areas like Birmingham, Bessemer, and Prichard tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.

The next table displays the most expensive cities in Alabama for infrequent drivers to purchase car insurance in.

Information shown are comparative as the specific geographic location can change insurance rates substantially.

Deciphering which companies have the lowest-priced insurance rates for infrequent drivers calls for more time in order to find the best price. Each auto insurer has their own formula for determining rates in each state, so let’s examine the insurance companies with the overall cheapest rates in Alabama.

It’s important that readers know that Alabama insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Simply getting older, marrying your spouse, or getting a couple of tickets may prompt premium changes that may make certain companies much cheaper than others.

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Cincinnati Insurance may have some of the best car insurance rates in Alabama at around $812 per year. Travelers, USAA, GEICO, and Country would also be considered some of the more affordable Alabama insurance companies.

In the rate table above, if you currently have coverage with GEICO and switched to Travelers, you could see yearly savings of upwards of $204. Drivers with Country may save as much as $344 a year, and Safeway insureds might lower prices by up to $391 a year.

To find the best cheap car insurance for infrequent drivers in Alabama, click here to start your custom quote or visit any of the companies below.

Understand that those policy rates are averaged for all drivers and vehicles in Alabama and do not factor in a price discount for infrequent drivers. So the auto insurance company that fits you best may not even be included in the list of companies shown earlier. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

The example below demonstrates how deductibles can change insurance prices when getting quotes for cheap insurance for infrequent drivers. The costs are based on a single male driver, full coverage, and no policy discounts are applied.

In the chart above, a 50-year-old driver could cut expenses by $376 a year by switching from a $100 deductible up to a $500 deductible, or save $564 by using a $1,000 deductible. Young drivers, like the 20-year-old, could possibly save up to $1,252 or even more just by using higher deductibles. When increasing deductibles, it is essential to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

How careless driving impacts Alabama insurance rates

In a perfect world, the ideal way to snag the most affordable insurance prices in Alabama for low mileage drivers is to pay attention while driving and avoid accidents and traffic violations. The information below illustrates how traffic citations and accidents raise insurance rates for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,590. Factor in one speeding ticket and the average cost increases to $1,793, an increase of $203 each year. Then add one accident along with the one speeding ticket and the yearly cost of insurance for infrequent drivers goes up to an average of $2,354. That’s an increase of $764, or $64 per month, just for not driving attentively!

State Farm, Allstate, Geico, or Progressive: Which is best?

When shopping around for auto insurance, the four most popular companies are State Farm, Allstate, Geico, and Progressive. The following table shows ratings for price and service, as well as some optional coverages .