Best Cheap Auto Insurance for Teenage Males in Alabama

You have most likely watched the ads from companies like Allstate and GEICO that guarantee the cheapest rates, so you just need to pick the company with the catchiest ad, right?

It’s just not that simple, as there are a whole slew of unknown aspects such as the amount of liability insurance you need, if you want full coverage, if you are married or single, and which neighborhood you live in, that all impact the cost of your policy. If you keep reading, we will teach you about these types of topics and hopefully give you enough understanding to have a jump start in finding the best auto insurance in Alabama.

The vehicle you are trying to insure is probably the biggest factor when comparing the best cheap car insurance for teenage males in Alabama. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models.

The next lists ranks auto insurance costs for some of the cheapest automobiles to buy coverage for.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in garaging location in Alabama which can decrease or increase premiums substantially.

Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in specific location information which can decrease or increase coverage prices considerably.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific location which can increase or decrease coverage prices significantly.

Finding out which insurers offer the cheapest car insurance rates for teenage males will involve a little more sweat in order to find the best price.

Each auto insurance company uses a different method for determining prices, so let’s take a look at the car insurance companies with the overall cheapest rates in Alabama. It’s important that you understand Alabama car insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Simply turning a year older, moving to a different location, or getting caught speeding can cause premium changes resulting in some companies being more affordable than others.

Find Cheaper Auto Insurance for Teens

Get a Free Quote and Save

Travelers has some of the lowest car insurance rates in Alabama at around $791 a year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners also make the cut as some of the cheapest Alabama insurance companies.

As shown in the table above, if you are currently insured with GEICO and switched to Cincinnati Insurance, you might realize a yearly price reduction of around $246. Alabama drivers with Auto-Owners might save as much as $366 a year, and Country insureds might see rate reductions of $367 a year.

To find the best cheap car insurance for teenage males in Alabama for your vehicle, click here to begin a quote or visit several of the following companies.

Be aware that those policy rates are averaged for all insureds and vehicles and do not take into consideration a price surcharge for teenage males. So the insurer that can offer the best rates for your situation may not even be in the list of companies shown earlier. That is why you need to get rate quotes using your own specific driver information and vehicle.

Alabama car insurance companies ranked

Finding the top insurer can be difficult considering how many different insurance companies sell coverage in Alabama. The company information in the next section can help you choose which auto insurers to look at when shopping your coverage around.

These rankings are for companies who write in the majority of U.S. states, so smaller regional companies are not included in this list. To get price quotes from the most competitive companies in Alabama, click here.

Top 10 Major Auto Insurers 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

The information below demonstrates how deductibles can affect premium costs when researching cheap insurance for teenage males. The rate quotes are based on a married male driver, comp and collision included, and no additional discounts are factored in.

The chart above illustrates that a 50-year-old driver could pocket $326 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $494 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, have the ability to save $1,094 annually by choosing larger deductibles on their policy. When choosing a higher deductible, it is essential to have spare funds to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

How to find the best cheap car insurance for teenage males in Alabama

Here are many penny-pinching suggestions that can help you find lower-cost coverage.

• Claim-free policyholders usually earn a discount
• Drop full coverage on older vehicles
• Higher deductibles mean lower rates
• Save money by obeying traffic laws and keeping a clean driving record
• Maintain a safe distance and avoid accidents
• Compare price quotes at least once a year

That final tip is highly important, as was pointed out in this article. Car insurance rates in Alabama can change in a short period of time, so drivers shouldn’t be resistant to buy a different policy if a more affordable price is available.

Brand loyalty is great, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars year after year. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for teenage males.