Who Has the Cheapest Car Insurance for Drivers Over Age 70 in Alabama?

When we talk about auto insurance, the words cheap or affordable shouldn’t be used anywhere in the article. Sad but true, cheap auto insurance for drivers over age 70 can be difficult to find. Don’t let that spoil your day, because we are going to tell you how you can still find and buy auto insurance that most people can afford.

Everyone has different tastes in autos, and the style of vehicle you are trying to insure is a large consideration that determines the availablility of the cheapest car insurance for drivers over age 70 in Alabama. Vehicles with lower performance, good crash test ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models.

The next lists features auto insurance premiums for the most budget-friendly vehicles to insure.

Data rating is based on single male driver age 70, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Information does not factor in your specific Alabama location which can affect premium rates considerably.

Cost estimates assume single male driver age 70, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price information does not factor in specific location which can raise or lower coverage prices significantly.

Above prices assume single male driver age 70, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in garaging location in Alabama which can lower or raise auto insurance rates considerably.

When shopping for cheaper auto insurance for older drivers, one of the many criteria that auto insurance companies use when figuring insurance cost is where you call home in Alabama. Areas with more people or more claims like Bessemer, Mobile, and Prichard likely pay more, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.

The table below shows the higher priced cities in Alabama for drivers over age 70 to purchase a policy in.

Rates are estimated as the specific geographic location can revise auto insurance rates greatly.

Picking a high-quality insurer can be rather challenging considering how many companies there are to choose from in Alabama. The company rank data listed below could help you decide which auto insurance companies you want to consider shopping your coverage with.

These ratings are only comprised of large nationwide companies, so companies with more of a regional focus are not included in these rankings. If you wish to compare rates from these and other top-rated companies, click here.

Top 10 Major Auto Insurance Providers in Alabama Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Titan Insurance
8. The General
9. 21st Century
10. Esurance

Top 10 Major Auto Insurance Providers in Alabama Ranked by Customer Service

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

Geico, Allstate, Progressive, and State Farm compared

If you’re looking for the best auto insurance for older drivers, the four most popular companies are Geico, Allstate, Progressive, and State Farm. All four offer physical damage and liability coverage, but each has a unique set of features, discounts, and options that can influence your buying decision. The data below shows price and claims rank as well as some different options that may be available in Alabama.

How to find the cheapest car insurance for drivers over age 70 in Alabama

It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help Alabama drivers get the cheapest auto insurance.

• Do not get into accidents
• Increase your credit rating
• Tickets and violations raise rates
• Save money by bundling your home and auto policies
• Increase deductibles to save money
• Discounts for being claim-free can be substantial
• Shop around for cheaper prices

The last idea is particularly important, as was discussed in the prior article. Rates adjust often, so don’t hesitate to change to a new company if you can save money. Having a favorite company is fine, but it’s not a great idea if that faithfulness ends up costing you a small fortune year after year. In just a few minutes you could compare rates to find cheaper auto insurance for drivers over age 70.

Best cheap insurance quotes for older drivers

Drivers have a lot of ways to quote and buy car insurance in Alabama, but the three most common are through an exclusive insurance agent like Liberty Mutual or State Farm, an independent or non-exclusive agent, or direct either online or via phone. You can use whichever method you prefer, but they differ slightly in how they work.

Independent agencies work with multiple companies and can get policy pricing from each one. These types of agents are not employed by only one company and can give you a larger rate selection, which may give you a better chance of saving money. If a cheaper rate is found, your agent can switch companies without having to get a different agent.

An exclusive agent is able to place business with one company, examples being an Auto-Owners or State Farm agent. These agents usually cannot provide rate quotes from other companies, so if their pricing is high, there is no alternative.

The last way is buying direct, which means you bypass local insurance agents and buy buying direct from a company like Geico or Esurance. This car insurance option can be good for consumers who do not need complex risk management and know the limitations of car insurance.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the cheapest car insurance for drivers over age 70 in Alabama? The quick answer would be buying direct saves money since there is no middleman, but in reality, that is not the case. It would also be easy to say buying from an independent agent results in the cheapest rates due to increased selection, but that assumption is also not accurate. And occasionally, exclusive agencies may have prices that cannot be met by either independent or direct companies.

Since car insurance prices are based on many different factors, really the only way to buy the cheapest policy is to get as many comparison quotes as possible. Make the effort to get price quotes from all three to have the best rate selection. For a list of companies with some of the cheapest Alabama car insurance rates, click here to view.