How Much Does Car Insurance Cost for Handicapped Drivers in Alabama?

The words “cheap” and “auto insurance” really don’t belong together, in particular when you are shopping around for the cheapest coverage for handicapped drivers. Let’s start off by going over a few of the things that impact auto insurance rates, and figure out some ideas to cut the cost of your next policy.

The vehicle model on the policy is one of the largest considerations that determines the availablility of cheap auto insurance for handicapped drivers in Alabama. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of liability claims will cost less to insure than high performance models. The next table showcases car insurance premiums for the more afforable vehicles to insure.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in specific Alabama garaging location which can impact rates substantially.

Based upon the table data, we can expect vehicles like the Ford Escape, Jeep Wrangler, Honda CR-V, Volkswagen Jetta, and Kia Forte should be a few of the less-costly vehicles to insure for drivers with handicaps.

Finding dependable, low-cost auto insurance is easier said than done, and deciding which companies have the cheapest car insurance rates for handicapped drivers may require even more shopping around. Each insurance company uses slightly different criteria for setting prices, so let’s take a look at the car insurance companies with the overall best prices in Alabama.

Keep in mind that Alabama car insurance rates are determined by lots of factors that can increase the cost of having a policy. Things like having a birthday, marrying your spouse, or getting a few speeding tickets can produce rate changes resulting in some companies being cheaper than others.

Cheap Insurance Rates in Alabama

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Travelers normally has some of the cheapest car insurance rates in Alabama at around $815 a year. Cincinnati Insurance, USAA, GEICO, and Country also make the cut as some of the lowest-priced Alabama car insurance companies.

In the above example, if you are a customer of Country and switched to Cincinnati Insurance, you may see an annual savings of in the vicinity of $331. Drivers with Safeway may save as much as $342 a year, and Auto-Owners customers might see rate reductions of $390 a year.

It’s important to note that these estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a price discount for handicapped drivers. So the auto insurance company that fits your needs best may not even be shown in the above rate chart. That points out the importance of why you need to compare as many prices as possible using your own driver data and vehicle information.

One of the more important components that establish the price of your policy is where you keep your vehicle in Alabama. Areas that are more densely populated or have higher claim rates like Mobile, Bessemer, and Vestavia Hills tend to pay more, whereas cities that are not as densely populated have the luxury of lower rates.

The next table displays the highest-priced places in Alabama for handicapped drivers to purchase car insurance in.

Prices are comparative as specific Alabama garaging address can revise coverage prices substantially.

Impact of speeding/accidents on car insurance rates

The easiest method to obtain cheap auto insurance for handicapped drivers in Alabama is to drive attentively and avoid accidents and keep your driving record clean. The chart below demonstrates how speeding tickets and at-fault claims raise yearly insurance costs for each age group. The rates are based on a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

In the previous example, the average cost of car insurance per year with no violations or accidents is $1,224. Get written up for two speeding tickets and the average cost surges to $1,734, an increase of $510 each year. Then add two accidents along with the two speeding tickets and the yearly cost of car insurance for handicapped drivers increases to an average of $3,723. That’s an increase of $2,498, or $208 per month, just for not driving attentively!

The chart below demonstrates how choosing different deductibles can raise or lower insurance costs when quoting cheap insurance for handicapped drivers. The information is based on a single male driver, full coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could reduce rates by $424 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $636 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could shave as much as $1,252 annually just by choosing higher deductibles. If you do raise deductibles, it is necessary to have enough funds in savings to cover the extra out-of-pocket expense associated with higher deductibles.

Progressive vs State Farm vs Allstate vs Geico

If you are shopping around for auto insurance for drivers with handicaps, the four most popular companies are Progressive, State Farm, Allstate, and Geico. The table below breaks down some of the ratings and options shoppers can find with each company.