Who Has the Cheapest Car Insurance Quotes for Active Military in Alabama?

You’ve seen the catchy commercials from insurers like State Farm, The General, and Farmers that make promises of the cheapest rates. So you just need to pick the company with the best ad, right?

It’s just not that simple, as there are many unknown elements like how you use your vehicle, how many years you have been driving, what deductibles to use for physical damage coverage, and if you currently have coverage, that all impact the cost of coverage. In this article, we will teach you about the best ways to save on auto insurance and educate you enough to have a good start to your coverage search.

The make and model of vehicle to be insured is a significant factor when quoting the cheapest auto insurance for active military in Alabama. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of having liability claims will cost much less to insure than higher performance models. The information below estimates coverage premiums for a selection of the more afforable automobiles to insure in Alabama.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 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 specific location information which can affect premium rates considerably.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in vehicle location which can impact auto insurance rates substantially.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in vehicle location which can affect price quotes noticeably.

For military personnel, one of the big criteria that help determine the price of your policy is where your car is garaged in Alabama. Areas with more people or higher crime rates like Birmingham, Bessemer, and Homewood tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims enjoy lower car insurance rates.

The table below illustrates the most expensive areas in Alabama for active military to purchase car insurance in.

Rate quotes are comparative as the specific area where the vehicle is garaged can influence premiums substantially.

Finding low-priced insurance is tough enough, and deciding which companies offer the cheapest car insurance rates for active military will involve even more work. Insurance rates will more than likely be moderately cheaper than the state average attributed to the reduced risk that goes along with offering insurance for military personnel. Cost-effective coverage should be readily available from many insurers.
Every insurance company has a proprietary method for setting rates, so let’s begin by examining the car insurance companies that tend to have lower prices in Alabama.

Lowest Insurance Price Quotes for Military

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Travelers has some of the best car insurance rates in Alabama at around $815 each year. Cincinnati Insurance, USAA, GEICO, and Country would also be considered some of the most economical Alabama car insurance companies.

In the above rates, if you buy coverage from USAA and switched to Travelers, you could see a yearly savings of approxmiately $89. Policyholders with GEICO could save as much as $215 a year, and Country insureds might see rate reductions of $380 a year.

Understand that those premium estimates are averaged across all drivers and vehicles and are not factoring in a rate discount for active military. So the car insurance company that can offer you the best price may not even be featured in the rate chart shown above. That points out the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Rate increases following a ticket or accident

A great way to score the best car insurance premiums in Alabama for military personnel is to pay attention while driving and avoid accidents and traffic citations. The example below demonstrates how speeding tickets and at-fault collisions can increase insurance costs for each age group. Data assumes a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of car insurance in Alabama per year with no violations or accidents is $1,602. Get written up for one speeding ticket and the average cost hikes up to $1,847, an increase of $245 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of car insurance for active military increases to an average of $2,527. That’s an increase of $925, or $77 per month, just for being a little careless behind the wheel!

Discount Alabama car insurance rates

Insurance providers that provide the cheapest auto insurance for active military in Alabama may also give you discounts that may potentially lower prices by as much as 35% if you are eligible. Popular car insurance companies and some of the premium reductions they offer are shown below.

• GEICO discounts include multi-policy, five-year accident-free, federal employee, defensive driver, seat belt use, and military active duty.
• Travelers has savings for IntelliDrive, payment discounts, good student, multi-policy, new car, multi-car, and student away at school.
• Farm Bureau offers discounts for multi-vehicle, multi-policy, safe driver, 55 and retired, and youthful driver.
• Liberty Mutual offers premium reductions for new vehicle discount, newly married, new move discount, teen driver discount, and multi-policy.
• American Family includes discounts for air bags, bundled insurance, accident-free, Steer into Savings, and mySafetyValet.
• Progressive may include discounts for multi-policy, continuous coverage, homeowner, good student, multi-vehicle, online quote discount, and online signing.

The illustration below visualizes the comparison of insurance rates with and without discounts being applied to the rates. The rate quotes are based on a male driver, no violations or accidents, Alabama state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, homeowner, accident-free, passive restraint, claim-free, and multiple policy discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for active military is 28% or $394.

How to find the cheapest auto insurance for active military in Alabama

Here are some of the recommended money-saving suggestions that can help you buy low-cost coverage.

• Pay for smaller claims out-of-pocket
• Do not waste money insuring older vehicles for full coverage
• Increase your policy deductibles
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Being accident-free can lower rates significantly
• Compare rates and switch if you can find a better deal

That last tip is especially crucial, as we pointed out in this write-up. Car insurance prices change constantly, so don’t be afraid to buy from a different company if a more affordable rate is found.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if it’s costing you a small fortune. In just a few minutes you could compare prices to find cheaper auto insurance for active military.