Best cheap car insurance quotes in Five Points
Alabama has a minimum liability insurance requirement, which is the minimal amount of car insurance you need to have in Five Points and gives you the cheapest rate. But minimum liability often isn’t enough coverage: you should consider getting full coverage if you want to cover the repair or replacement costs for your own car.
Cheap minimum liability insurance quotes in Five Points
In Alabama, every liability car insurance policy must meet the minimum requirements for coverage.
Your insurance provider must insure you for at least $25,000 of
bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of
property damage liability coverage per accident.
No auto insurance company in Alabama will sell you a policy with lower coverage limits than that. It’s often referred to as the “25/50/25 rule”.
Here are some examples of Five Points car owners that Jerry recently assisted with obtaining minimum liability coverage.
Five Points, AL (Zip Code: 36855)
Do you need more than minimum coverage in Five Points?
Most drivers in Five Points need higher liability coverage than the 25/50/25 state minimum mandated by
Alabama car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over these minimum limits—especially if there are serious injuries. Additionally, if someone else’s car is totaled and you’re liable, the cost to replace it could quite possibly be more than $40,000—which is well beyond that $25,000 minimum.
For better financial protection: Consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Five Points
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.
Full coverage includes comprehensive and collision coverage:
Comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters.
Keep in mind: If you have a loan on the car, your lender will typically require collision and comprehensive coverage.
On top of a full-coverage policy, you can purchase
uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Take a look at these recent examples of cheapest Five Points full coverage quotes that Jerry’s agents helped our customers obtain.
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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