Affordable Dothan Car Insurance Quotes

Want a free price quotes on more competitive insurance rates in Dothan, AL? Online price comparisons for inexpensive Dothan auto insurance is challenging if you have never used online price comparisons. But don't be overwhelmed because we're going to show you how.

A recent NerdWallet.com study revealed that most insurance policyholders in Alabama kept their coverage with the same insurance company for well over three years, and nearly 40% of drivers have never quoted insurance rates at all. Many drivers in America could save an average of about $859 each year by just shopping around, but most just don't grasp the large savings they would see if they just switched companies.

How to compare Dothan car insurance quotes

The are a couple different ways to obtain and compare prices from many available car insurance companies in Alabama. The best way to compare rates is simply to get online rate quotes.

Just keep in mind that comparing a large number of companies increases the chance that you will find a lower rate than you're paying now.

The companies shown below can provide free rate quotes in Alabama. If more than one company is shown, we suggest you visit as many as you can to find the lowest car insurance rates.

Insurance Rates for Popular Vehicles in Dothan
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,010 $505 $84
Chevrolet Silverado LT Extended Cab 2WD $954 $477 $80
Dodge Ram Quad Cab SLT 2WD $974 $487 $81
Ford Edge Sport AWD $940 $470 $78
Ford Escape XLS 2WD $1,220 $610 $102
Ford F-150 STX Super Cab 4WD $1,122 $561 $94
Ford Focus SE 2-Dr Coupe $1,288 $644 $107
Honda Accord LX-P 4-Dr Sedan $1,012 $506 $84
Honda CR-V EX 4WD $890 $445 $74
Honda Civic LX 4-Dr Sedan $1,154 $577 $96
Hyundai Sonata SE 4-Dr Sedan $882 $441 $74
Jeep Grand Cherokee Laredo 4WD $1,338 $669 $112
Nissan Altima Hybrid 4-Dr Sedan $1,094 $547 $91
Toyota Camry Hybrid $1,368 $684 $114
Toyota Corolla XLE $1,430 $715 $119
Toyota Tacoma Double Cab 4WD $1,162 $581 $97
Volkswagen Jetta LE 4-Dr Sedan $894 $447 $75
Get Your Own Custom Quote Go

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific garaging location which can lower or raise coverage prices greatly.

Rate comparison of full coverage and liability-only

The diagram below shows the comparison of Honda Civic yearly insurance costs with and without full coverage. The premiums are based on no claims, a clean driving record, $100 deductibles, married female driver, and no additional discounts are factored in.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Are you wasting money paying for full coverage?

There is no written rule of when to drop physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's assume your Honda Civic book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying over $800 a year for full coverage, then you might want to think about dropping full coverage.

There are a few situations where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Are you wasting money on full coverage?

There is no clear-cut rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's say your Chevrolet Cruze claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after you pay the deductible. If you are paying in excess of $400 annually for full coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Score discounts on Dothan auto insurance

Not too many consumers would say auto insurance is affordable, but companies offer discounts that could help you make your next renewal payment. Some discounts apply automatically at the time of quoting, but occasionally some discounts must be specially asked for prior to getting the savings. If they aren't giving you every credit possible, you are paying more than you should be.Discount auto insurance

Discounts lower rates, but some credits don't apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don't profit that way.

Larger auto insurance companies and the discounts they provide can be found below.

When getting free Dothan auto insurance quotes, it's a good idea to all companies you are considering how many discounts you can get. A few discounts might not apply everywhere. If you would like to choose from a list of providers who offer online auto insurance quotes in Alabama, click this link.

Buying from car insurance agents

Many drivers would rather get professional advice from a licensed agent. The biggest benefit of comparing rate quotes online is that you can obtain better rates and still have a local agent. And supporting local agencies is important particularly in Dothan.

To make it easy to find an agent, after completing this simple form, your insurance data is submitted to participating agents in Dothan who will give you quotes to get your business. You never need to leave your house since price quotes are sent immediately to you. You can get cheaper car insurance rates and a licensed agent to work with. If you have a need to get a price quote from one company in particular, feel free to jump over to their website and fill out the quote form the provide.

When researching a reputable insurance agent or broker, you need to know there are two types of agencies and how they operate. Car insurance agencies are considered either exclusive or independent agents depending on their company appointments.

Independent Agencies or Brokers

Agents of this type often have many company appointments and that allows them to write policies with many different companies and find you the best rates. If they find a lower price, your agent can switch companies and you don't have to do anything.

When shopping rates, you absolutely need to include several independent agencies to ensure the widest selection of prices. Most also write with smaller companies which can save you money.

Exclusive Insurance Agents

Exclusive insurance agents generally can only insure with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agents receive extensive training on their company's products and that can be a competitive advantage. Many people use the same exclusive agent mostly because of the prominence of the brand and the convenience of having all coverages with one company.

Picking the best car insurance agent shouldn't rely on just the quoted price. Get answers to these questions too.

Good decisions result in lower costs

It's important that you understand the different types of things that are used to determine the price you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that could result in lower premium levels. Many factors are used when you get a price on insurance. Some are obvious such as traffic violations, but others are less apparent like your vehicle usage or your financial responsibility.

Car insurance is not optional

Despite the fact that car insurance is not cheap in Dothan, insuring your vehicle is required by state law in Alabama and it also provides benefits you may not be aware of.

First, the majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability insurance in order to license the vehicle. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your vehicle, it's most likely the lender will have a requirement that you have insurance to guarantee loan repayment. If you do not keep the policy in force, the lender may have to buy a policy to insure your vehicle at a more expensive rate and require you to fork over a much higher amount than you were paying before.

Third, car insurance preserves your car and your assets. Insurance will pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of buying enough insurance outweigh the cost, especially with large liability claims. Unknowingly, the average driver is wasting up to $700 annually so you should quote and compare rates once a year at a minimum to make sure the price is not too high.

Insurance claim statistics

Are you driving a statistically high-claim vehicle? The following claim statistics show the worst and best makes and models for likelihood of filing claims.

Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Hyndai Accent
Chevrolet Corvette Kia Optima
Audi A6 Chevrolet Impala
Acura MDX Kia Rio
Subaru Forester Mitsubishi Lancer
Volvo XC60 Chevrolet Cruze

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Leaf Audi S7
Volvo V60 Mercedes-Benz S Class
GMC Sierra 2500 BMW M6
Ford F-350 Maserati Granturismo
Chevy Spark Porsche Panamera GTS
Smart ForTwo Bentley Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Chevrolet Spark
Chevrolet Silverado 2500 Hyundai Accent
Chevrolet Silverado 3500 Chevrolet Sonic
Ford Expedition Nissan Versa
Land Rover Range Rover Sport Kia Forte
Tesla Model S Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW M6
Ford Edge BMW 6 Series
Mini Cooper Nissan GT-R
Chevrolet Colorado Bently Continental GTC
Ford F-250 SuperCab Bently Continental GT
Ford F-150 SuperCrew Maserati Granturismo

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Shop around and save

Budget-conscious insurance is available online in addition to local insurance agencies, so get free Dothan auto insurance quotes from both of them to have the best selection. Some companies don't offer rates over the internet and most of the time these smaller providers only sell coverage through independent insurance agents.

We just showed you many tips how you can find cheaper coverage online. The key thing to remember is the more you quote Dothan auto insurance, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from the least-expected company.

Consumers switch companies for a variety of reasons including policy non-renewal, high rates after DUI convictions, denial of a claim or delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

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