Who Has Cheap Insurance for Ride Shares in Alabama?

Our editors have a joke that when writing about auto insurance, the word “cheap” should never be used as a descriptor for car insurance rates. Despite the oxymoron, cheap auto insurance for high mileage drivers does not exist. But don’t let that discourage you, because we are going to show you some ways you can still get insurance that won’t break the bank.

For high mileage drivers, one of the more important things used to determine rate quotes is your address in Alabama. Cities with larger populations like Bessemer, Mobile, and Hoover tend to pay higher rates, whereas areas with lower vehicle theft rates and fewer weather claims generally pay lower insurance rates.

The following table ranks the priciest cities in Alabama for high mileage drivers to buy car insurance in.

Annual rates are approximated as the specific Alabama residence address can alter price quotes significantly.

Figuring out which insurers offer the most affordable auto insurance rates for high mileage drivers requires a tad more effort in order to find the lowest price.

Every insurance company has a different formula to establish rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Alabama. It’s important to understand that Alabama auto insurance rates are impacted by many things which can significantly increase or decrease the cost of having a policy. Simply having another birthday, getting married, or getting into an accident may cause policy rate changes resulting in some companies being cheaper than others.

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Travelers normally has some of the lowest car insurance rates in Alabama at around $807 each year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners are also some of the more affordable Alabama auto insurance companies.

In the above rates, if you buy coverage from Cincinnati Insurance and switched to Travelers, you might see yearly savings of in the vicinity of $21. Policyholders with USAA might save as much as $115 a year, and GEICO customers might reduce rates by $243 a year.

These premiums are averages for all types of insureds and vehicles and do not factor in a rate decrease for high mileage drivers. So the car insurance company that fits your needs best may not even be in the above list. That emphasizes why you need to compare rates from multiple companies using your own specific driver and vehicle information.

The type of vehicle on the policy is a large factor when comparing cheap insurance for high mileage drivers in Alabama. Vehicles with economical engines, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models. The data below illustrates coverage premiums for a selection of the most cost-effective automobiles to buy insurance for.

Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in your specific Alabama location which can alter coverage prices greatly.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in zip code location which can alter coverage prices noticeably.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in Alabama location which can raise or lower coverage prices considerably.

Discount Alabama insurance

Insurance providers that sell cheap insurance for high mileage drivers in Alabama may additionally offer price discounts that can lower rates by as much as 35% or more if you meet the requirements. A list of auto insurance companies and some of their more popular discounts can be read below.

• 21st Century may include discounts for driver training, anti-lock brakes, teen driver, homeowners, 55 and older, and defensive driver.
• State Farm policyholders can earn discounts including Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, student away at school, anti-theft, accident-free, and passive restraint.
• AAA discounts include AAA membership discount, multi-car, good driver, multi-policy, anti-theft, education and occupation, and good student.
• Liberty Mutual offers discounts for safety features, teen driver discount, multi-car, new graduate, and multi-policy.
• Progressive may offer discounts for online quote discount, good student, homeowner, multi-vehicle, and continuous coverage.

The diagram below compares insurance rates with and without discounts. Data assumes a female driver, no accidents, no driving violations, Alabama state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, safe-driver, anti-theft, accident-free, claim-free, and multiple vehicle discounts applied. When discounts are factored in, the the amount saved on auto insurance for high mileage drivers is 28% or $376.

How to find economical insurance for high mileage drivers

Here are a few thrifty ideas that can help drivers buy cheaper car insurance.

• Buying home and auto together can help save money
• Buy a vehicle with excellent safety ratings
• Accident-free drivers may qualify for discounts
• Do not pay for full coverage if not needed
• Try to pay small claims out-of-pocket
• Violations like speeding or DUI increase rates
• Shop around once a year for cheaper rates

The last tip is notably vital, as was noted in the prior article. Auto insurance rates can be changed at any time, so don’t be unwilling to buy a policy from a new company if a lower price can be found.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that stubbornness costs you money that could be spent on other things. Take a couple minutes and compare rates to find cheaper car insurance for high mileage drivers.