Auto Insurance in Mobile

You and Your Auto Insurance: Driving in Mobile

Mobile, Alabama, pronounced Mo-beel, was the first colonial capital of French Louisiana in 1702. People who live in Mobile are known as Mobilians, and the name Mobile came from the Mobilian tribe of Native Americans. They were found in Mobile Bay when colonial French settlers arrived.

Was it a party by the bay? A fun note is that Mobile’s carnivals are the oldest organized celebrations in the nation!

The Port of Mobile, Alabama’s only sea port, plays a primary role in Mobile’s economy. Similarly, the one auto insurance policy you carry should be the best protector of your economic health. It should covering your vehicle and your wallet in the event of an accident.

Let’s look at auto insurance in Mobile to avoid a disorganized carnival ride when you shop for auto insurance.  To assist you in getting the best auto insurance deal in Mobile, here are some effective ways to be a wise shopper:

  • Know the minimum insurance requirements to be legally covered
  • Know your specific auto insurance needs
  • Have an existing auto insurance policy in place when you shop
  • Keep your policy current
  • Be knowledgeable about available auto insurance products
  • Consult the auto insurance carrier you choose to discuss ways to lower premiums

The Alabama state auto insurance requirements are to maintain at least a minimum liability coverage which includes:

  • Bodily Injury coverage – $25,000 per person and $50,000 per accident
  • Property Damage coverage – $25,000 per accident

Uninsured Motorist (UM) coverage is not required.

Should you protect yourself against people who drive without auto insurance?

Many drivers choose to add UM coverage to their policy. UM coverage protects your vehicle if you are in an accident with a driver who is not insured. It also protects you in the event of an at-fault driver who leaves the scene of an accident.

UM is a valuable first bet to enhance your coverage above the state minimum requirements.

Having an existing auto insurance policy in place when you shop helps to place you in a lower risk bracket. This in itself can contribute to lower premiums. Letting your policy lapse for even a day can immediately jump you into a higher risk bracket. A lapse will increase your premiums and decrease your chances of getting the best value any time soon on your auto insurance coverage.

Shop around

Look into all available auto insurance products. If you have a classic car, you may need specialized auto insurance. On the other hand, if your car is paid off, an older model with a value of $1,000 or less, auto insurance coverages such as Comprehensive and Collision can be expensive and may be more than you need. Weigh the Alabama auto insurance coverage amounts you need with the actual amounts that will be paid out from your insurance carrier in the event of an accident.  Do not buy coverage based only on the average of other peoples’ auto insurance coverages. To protect your wallet from a bad carnival ride in the event of an accident, purchase auto insurance coverage specifically geared to your vehicle(s).

Talk to your auto insurance carrier. You may qualify for additional premium reductions and/or discounts.

Enjoy Driving in Mobile!



Insurance Information Institute