Best Cheap Car Insurance for State Employees in Alabama

The words “cheap” and “insurance” probably shouldn’t be used together, in particular when you are trying to find the cheapest auto insurance for state employees. In an attempt to save some money, let’s teach you some of the things that have a considerable impact on insurance rates, and come up with some ways to take a little off your next policy.

Comparing rates for budget auto insurance is not the easiest thing to accomplish, and figuring out which companies offer the best car insurance rates for state employees may require more quotes for comparison. Every auto insurer has their own unique process to determine premium rates, so first we will examine the most affordable car insurance companies in Alabama.

Keep in mind that Alabama car insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. This price fluctuation is why consumers need to compare many different companies to get cheap car insurance rates for state employees. Insurance rates consist of many factors and change substantially, so the most economical option three years ago may now be priced much higher than other options.

Best Auto Insurance Prices in Alabama

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Cincinnati Insurance offers some of the cheapest car insurance rates in Alabama at around $812 per year. Travelers, USAA, GEICO, and Country also make the cut as some of the best Alabama car insurance companies.

As the example above demonstrates, if you are insured with GEICO and switched to Travelers, you may realize savings of approxmiately $215. Alabama drivers with Country might save as much as $344 a year, and Safeway policyholders might cut rates by $367 a year.

To see if your current coverage is too expensive, click here to start your free quote or feel free to get quotes from the companies below.

These policy rates are averaged across all ages of drivers and types of vehicles and do not factor in a rate decrease for state employees. So the company that fits your situation best may not even be included in the above rate chart. That’s why you need to compare rates from as many companies as possible using your own individual information.

When buying insurance for state workers, one of the key components that establish insurance cost is where you live in Alabama. Areas with more people or higher crime rates like Birmingham, Bessemer, and Vestavia Hills tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents generally pay lower insurance rates.

The next table illustrates the most expensive cities in Alabama for state employees to purchase a policy in.

Rate quotes are estimated as specific Alabama garaging address can modify coverage prices considerably.

Everyone has different tastes in autos, and the style of vehicle you are buying coverage for is one of the largest factors in finding the best cheap auto insurance for state employees in Alabama. Vehicles with higher performance characteristics, a lack of safety features, or a history of substantial liability claims will cost much more to insure than more modest models. The lists below features coverage premiums for some of the cheaper automobiles to insure.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location which can change premium rates greatly.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in your specific Alabama location which can increase or decrease price quotes significantly.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific Alabama garaging location which can affect coverage rates substantially.

Buying coverage from the highest-rated car insurance provider is difficult considering how many companies there are to choose from in Alabama. The rank data listed below can help you choose which providers you want to consider when comparing insurance rates for state employees.

The rankings below only include companies that insure vehicles across America, so companies that may only write in Alabama are not factored into the list. To compare price quotes from the insurers below and more, click here.

Top 10 Large Auto Insurance Companies Overall in Alabama

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Careless driving habits raise car insurance rates

The obvious way to obtain the best cheap auto insurance for state employees in Alabama is to be a careful driver and avoid accidents and traffic citations. The example below demonstrates how speeding tickets and fender-benders impact insurance rates for different age groups of insureds. The prices are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,512. Factor in two speeding tickets and the average cost surges to $2,154, an increase of $642 each year. Next add one accident along with the two speeding tickets and the annual cost of car insurance for state employees increases to an average of $2,794. That’s an increase of $1,282, or $107 per month, just for not driving safely!

How to find economical insurance for state employees

The list below shows many penny-pinching solutions that can help Alabama drivers quote the cheapest car insurance.

• Earn a discount by not filing claims
• Avoid getting tickets or violations
• Staying accident-free helps keep rates low
• Higher physical damage deductibles lower rates
• Remove physical damage coverage on older vehicles
• Shop around for lower rates once a year

The last suggestion is particularly important, as we stressed in this write-up. Prices charged by auto insurers in Alabama fluctuate constantly, so you should be ready to change to a new company if a better deal can be had. Loyalty to a specific company is fine, but it’s not recommended if that inflexibility results in costing you thousands of dollars over the life of your policy. If you have a few minutes, shop around and find cheaper insurance for state employees.

Who has the cheapest insurance quotes for state workers?

Thanks to technology, there are a lot of ways to get cheap car insurance quotes in Alabama, but the most preferred are through an independent insurance agent, a captive (or exclusive) agent such as Allstate or State Farm, or direct from companies such as Progressive or Geico.

Each way has the same basic process, but they differ in how they function.

Independent agents can place your business with multiple companies and can get rate quotes from all of them. These types of agents do not write with just one company and can give you a larger rate selection, which can give you the best chance of finding a lower price. If they find a cheaper price, they simply move your policy to a different company and you don’t have to do anything.

An exclusive ageny is only able to write with a single company, two of the more popular are an Allstate or State Farm agent. Exclusive agents generally are unable to provide a range of price quotes, so it’s a good idea to get additional price quotes.

Opting to purchase car insurance direct means you skip local insurance agents and buy direct from companies such as Progressive or Esurance. This option can be a good choice for families who do not need risk management and have some degree of understanding of what coverages, limits, and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the best cheap auto insurance for state employees in Alabama? Most drivers assume that buying from a direct car insurance company yields the cheapest rates since there is no middleman, but that does not always hold true. We’d also like to say an independent agent results in the best rates due to having more companies to select from, but that is not necessarily true either. In a lot of cases, exclusive agencies have really good rates that are the lowest in Alabama.

Due to the large number of rating factors, the best way to ensure you are not overpaying is to compare lots of quotes. If time allows, get price quotes from independent, exclusive, and direct to give yourself enough choices. For a list of companies with cheap rates in Alabama, click here to view.