Who Has Cheap Car Insurance for Felons in Alabama?

You’ve seen the catchy commercials from car insurance companies like Liberty Mutual and The General that say if you switch you’ll get huge savings. So you just need to pick the one with the best commercial, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects like your vehicle’s safety rating, if you need full coverage or liability-only, and if you are married or single. This article will detail the best ways to avoid overpriced car insurance and should give you a good start in finding the cheapest car insurance in Alabama.

One of the many factors that is used by car insurance companies to calculate car insurance rates is where you live in Alabama. Areas that are densely populated or have higher claim frequency like Mobile, Bessemer, and Hoover likely pay more, whereas areas that are not as densely populated have the benefit of cheap auto insurance for felons in Alabama.

The illustration below ranks the priciest cities in Alabama for felons to buy auto insurance in.

Rates are estimated as vehicle location can decrease or increase auto insurance rates considerably.

The type of vehicle you are insuring is a large factor when quoting low-priced insurance for felons. Vehicles with higher performance, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than more modest models. The information below showcases insurance rates for a number of the most affordable vehicles to buy coverage for.

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in your specific Alabama location which can lower or raise rates substantially.

Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific zip code location which can change coverage rates substantially.

Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in vehicle location which can influence premium rates greatly.

Comparing quotes for low-priced car insurance is confusing at best, and deciding which companies quote the cheapest car insurance rates for felons takes even more perseverance.

Each auto insurer has a unique approach to set policy rates, so let’s begin by examining the car insurance companies with the most affordable rates in Alabama. It’s a good idea to be aware that Alabama car insurance rates are based on many factors that will increase or decrease the price of your policy. This price variation is why Alabama drivers need to compare many different companies to find the lowest auto insurance quotes for felons. Insurance rates are calculated by many different factors and can change without notice, so the most affordable company six months ago may now not even be in the top five.

Cheap Insurance Rates for Felons

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Travelers may have some of the lowest car insurance rates in Alabama at around $807 each year. Cincinnati Insurance, USAA, GEICO, and Safeway would also be considered some of the most economical Alabama insurance companies.

In the rate table above, if you are a customer of USAA and switched to Travelers, you could see an annual premium reduction of in the neighborhood of $115. Customers with GEICO may save as much as $254 a year, and Safeway policyholders might lower prices by up to $363 a year.

Be aware that those rates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a price discount for felons. So the auto insurance company that fits your age and vehicle best may not even be shown in the list of companies above. That’s why you need to quote rates from many companies using your own driver information and specific vehicle type.

The diagram below illustrates how choosing a deductible can change premium costs when quoting cheap insurance for felons. The costs are based on a single male driver, comp and collision included, and no discounts are applied to the premium.

A 50-year-old driver could lower rates by $278 a year by changing from a $100 deductible up to a $500 deductible, or save $418 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could save $910 annually by using a higher deductible.

When increasing deductibles, it is a good idea to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Rate increases following a ticket or accident

The common sense way to receive good car insurance rates for felons is to drive attentively and avoid accidents and violations. The illustration below demonstrates how traffic citations and accidents increase car insurance costs for different age groups. The premium estimates are based on a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of auto insurance in Alabama per year with no violations or accidents is $2,016. Factor in two speeding tickets and the average cost jumps to $2,786, an increase of $770 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of car insurance for felons jumps again to an average of $5,653. That’s an increase of $3,637, or $303 per month, just for not being a responsible driver!

Best rates: Geico, Progressive, Allstate, or State Farm

When comparing rates for car insurance for felons in Alabama, four companies to consider are Geico, Progressive, Allstate, and State Farm. Combined they insure over 48% of all policies written. They all offer a slightly different set of options and discounts that buyers can select from. The following table points out price, claims, and customer service ratings, as well as some optional coverages you can buy with each company.

Who has the cheapest insurance quotes for felons?

Drivers have a lot of different ways to comparison shop for car insurance in Alabama, but the most frequently used methods are through a captive (or exclusive) agency like State Farm or Liberty Mutual, an independent agent, or direct either online or via phone. You can use whichever method you prefer, but it’s important to understand the differences in how they price policies.

Independent agencies write for multiple companies and can provide price quotes from all of them. They do not work for one specific company and can give you more rates, which may give you the best chance of saving money. If premiums increase, your policy is moved internally without you having to go to a different agency.

An exclusive agent is usually restricted to just one company, two examples are a State Farm or Farmers agent. Exclusive agents cannot provide prices from multiple companies, so smart shoppers will want to get additional comparison quotes.

When you buy car insurance direct, you do not use local agents and instead buy from a direct company like Progressive. Buying direct can be a good choice for consumers who have limited assets and have some degree of understanding of what coverages, limits, and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best to find cheap auto insurance for felons in Alabama? Most people would assume that buying from a direct car insurance company results in the best prices since there is no middleman, but that turns out to not be true. It could also be said buying car insurance from an independent agent is the best way to save due to having more companies to select from, but again, it’s not a sure thing. And occasionally, exclusive agencies may have very competitive prices that are well below what direct and independents offer.

Due to the fact that car insurance rates vary so much, really the only way to get the lowest rate is to obtain price quotes and compare them. The ideal approach is to get price quotes from all three in order to be able to find the lowest price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.