Best Pelham Auto Insurance Rates

Are you irritated from paying out the nose to pay car insurance each month? You have the same problem as most other people in Alabama.

Unfortunately, almost 70% of insureds have been with the same company for more than four years, and approximately 40% of consumers have never compared car insurance rates at all. Most drivers in Alabama can save hundreds of dollars each year, but they just don't understand the large savings they would see if they just switched companies. Due to the increasing number of choices, it can be challenging to find the lowest price insurance company.

Smart consumers take time to check car insurance prices yearly because prices are adjusted regularly by insurance companies. Even if you think you had the best price on car insurance a couple years back there may be better deals available now. Ignore everything you know about car insurance because we're going to show you one of the best ways to lower your annual insurance bill.

Affordable auto insurance companies in Pelham

The companies shown below are ready to provide quotes in Alabama. If multiple companies are shown, it's a good idea that you visit two to three different companies to get a more complete price comparison.

Insurance Rate Estimates for Popular Vehicles in Pelham
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $946 $473 $79
Dodge Ram Quad Cab SLT 2WD $1,244 $622 $104
Ford Escape XLS 4WD $1,132 $566 $94
Ford Explorer Eddie Bauer AWD $1,192 $596 $99
Ford F-150 XL Super Cab 4WD $986 $493 $82
Ford Focus SE 2-Dr Coupe $1,196 $598 $100
Honda Accord LX 4-Dr Sedan $662 $331 $55
Honda CR-V LX 2WD $898 $449 $75
Honda Civic EX-L 4-Dr Sedan $1,042 $521 $87
Honda Odyssey EX-L W/Rear Entertainment $1,118 $559 $93
Hyundai Elantra GLS 4-Dr Sedan $1,250 $625 $104
Hyundai Sonata Limited 4-Dr Sedan $1,216 $608 $101
Kia Optima LX $1,210 $605 $101
Nissan Altima Hybrid 4-Dr Sedan $1,220 $610 $102
Toyota Camry SE $1,226 $613 $102
Toyota Corolla XRS $1,268 $634 $106
Volkswagen Jetta 2.0T Station Wagon $896 $448 $75
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in garaging location in Pelham which can modify auto insurance rates noticeably.

Impact of speeding/accidents on auto insurance rates

The diagram below highlights how speeding tickets and accident claims can drive up Hyundai Elantra insurance rates for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Reduce your car insurance rates with these six discounts

Not too many consumers would say car insurance is affordable, but companies offer discounts to reduce the price significantly. A few discounts will automatically apply at quote time, but some need to be specifically requested before they will apply. If you don't get every credit possible, it's possible you qualify for a lower rate.Discount car insurance

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you could get a free car insurance policy, it doesn't quite work that way.

A few popular companies and some of their more popular discounts are:

If you are trying to find cheaper Pelham auto insurance quotes, ask each company or agent how many discounts you can get. Savings may not be offered in Pelham. To find insurers with discount rates in Pelham, follow this link.

Save $407 a year. For real?

Consumers in Alabama can't get away from all the ads that promise big savings by State Farm and Allstate. They all say the same thing about how much you will save if you move to them.

It sounds good, but how can they all charge you a lower premium? It's all in the numbers.

Insurance providers quote their cheapest rates for the type of driver that is profitable for them. For instance, this type of driver might be a mature driver, owns a home, and has great credit. Any driver who fits those characteristics receives the best premium rates in Pelham and as a result will probably save when switching.

Insureds who cannot meet this stringent profile may be forced to pay a more expensive rate which translates to the customer not purchasing. The ads state "people that switch" but not "everyone who gets a quote" save that much. That's the way insurance companies can confidently make those claims.

Because each company has a different risk profile, drivers should get Pelham auto insurance quotes from several different companies. It's not possible to predict with any certainty which company will fit your personal profile best.

Car insurance coverage options

Knowing the specifics of a car insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Coverage for liability

This coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair bills for other people's vehicles, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy as much as you can afford. Alabama requires drivers to carry at least 25/50/25 but you should think about purchasing higher limits.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, theft and a broken windshield. The maximum amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, doctor visits, dental work, EMT expenses and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This will pay to fix damage to your vehicle resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your vehicle.

Since many Alabama drivers have only the minimum liability required by law (Alabama limits are 25/50/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Auto insurance overall losses by make and model

What vehicles have the fewest claims? The following tables show the worst and best models for the overall chance of having claims orgainized by coverage.

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Mercedes-Benz SL Class Hyndai Accent
Chevrolet Corvette Chevrolet Impala
Fiat 500 Kia Optima
Acura MDX Kia Rio
Subaru Outback Chevrolet Sonic
Audi A6 Mitsubishi Mirage

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle
Lowest Claims Highest Claims
GMC Sierra 2500 Porsche Panamera GTS
Smart ForTwo BMW M6
Chevy Silverado 2500 Maserati Quattroporte
Nissan Xterra Maserati Granturismo
Volvo V60 Audi S7
Nissan Leaf Bentley Continental GT

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Audi A4 Allroad Hyundai Accent
Ford Expedition Chrysler 200
Ford F-250 SuperCrew Kia Forte
Chevrolet Silverado 3500 Dodge Charger
Land Rover Range Rover Sport Chevrolet Spark
Chevrolet Silverado 2500 Mitsubishi Lancer

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-150 SuperCrew Ferrari 458
Nissan Xterra Maserati Ghibli
Ford F-250 SuperCab Nissan GT-R
Mini Cooper BMW M6
Chevrolet Colorado Bently Continental GTC
GMC Canyon BMW 6 Series

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The best insurance company isn't always the cheapest

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage only to discover later they didn't have enough coverage. Your focus should be to buy enough coverage at the lowest possible cost.

Some insurance companies do not offer online price quotes and many times these smaller providers sell through independent insurance agencies. Discount car insurance can be bought online and also from your neighborhood Pelham agents, and you need to comparison shop both to have the best chance of lowering rates.

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