Cheapest car insurance quotes in Dothan, AL

Our team investigated over 60 of the nation’s top auto insurance companies, receiving separate quotes from each. Of these quotes, we discovered that State Farm consistently came out on top as the least expensive insurance carrier for motorists in Dothan, Alabama. Although we found that State Farm offered the cheapest rates for minimum coverage, full coverage, and motorists with violations, we discovered that several other carriers also offer affordable premiums.

During our analysis, we found that Travelers Insurance offered the cheapest rates for young drivers, and Assurance America ranked as the most affordable for senior drivers. We also found that Nationwide offered the best rates for drivers with poor credit, and USAA was the top choice for both active and retired military members.

Dothan, Alabama, has seen huge growth within the private sector over the last five years. With more people moving to Dothan for work, it’s paramount for drivers to have an understanding of the city’s average insurance rates and compare them with other areas in the state.

For example, the average monthly cost for car insurance in Dothan is $252, while the average in the whole of Alabama is only $185. Although Dothan’s average car insurance plan is a lot more expensive when compared to other cities in the state, there are many carriers on the market that offer cheaper rates for various types of coverage.

In this analysis, we’ll take a comprehensive deep dive into a select few carriers in Dothan, as we hunt for the cheapest rates and explore how numerous criteria, such as credit, age, and driving record, can impact your monthly payments.

Cheapest Overall Rates in Dothan

In time, many drivers will likely receive a minor driving violation. A minor driving violation could be given in the event of speeding, or not stopping at a stop sign, and they will not affect your monthly premiums too much. If a driver collects several minor violations over a short space of time, then you could see your rates rise.

Major offenses, such as DUI’s, reckless driving, and at-fault accidents, will have more of an impact on your monthly payments. This is because the driver will be seen as more of a risk in the eyes of the insurer.

If a motorist poses more of a risk when driving, then they are more likely to be involved in an accident, and therefore more likely to submit a claim.

Cheapest Rates for Motorists with Driving Violations in Dothan

Many drivers incorrectly assume that minimum coverage covers all expenses in the event of an accident – whether it’s with another motor or personal property. You should know that minimum coverage will only protect the other person involved in the accident, and their property – not you or your motor.

Choosing full comprehensive coverage will give motorists an extra layer of protection, covering any expenses that relate to both you and your vehicle.

Full comprehensive motor insurance policies will cover the following:

• Property damage liability
• Bodily injury liability
• Comprehensive and collision
• Roadside assistance or rental car reimbursement

Cheapest Full Coverage Rates in Dothan

If you’re planning on purchasing minimum coverage motor insurance, we recommend keeping Alabama’s legal limits in mind. Below is a list of the things that you should ensure are included in your insurance plan:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one accident
• $25,000 maximum for property damage per accident

Motorists failing to maintain the above minimums could face fines of up to $400 for multiple offenses.

Cheapest Minimum Coverage Rates in Dothan

As a young driver, you’re filled with the excitement that comes with this newfound freedom, but at the same time can feel a tad overwhelmed. With this new freedom, comes the great responsibility of driving a vehicle safely.

Many carriers will increase their rates for young drivers because of their inexperience.

However, as time passes and a young driver gains more experience on the road, insurers calculate a more accurate risk assessment, meaning rates will decrease as you age – if you maintain a clean record, that is.

Cheapest Rates for Young Drivers in Dothan

A lot of seniors can struggle to access their account information, however, with Assurance America, there are numerous ways of doing this. These include speaking with a representative, or through their downloadable app. According to rave reviews from customers, their support team offer a polite and friendly service.

Along with making account info easily accessible, the majority of senior drivers are on a fixed income, meaning they need an affordable premium. Fortunately, many providers offer a special discount that helps to reduce costs as drivers get older.

Cheapest Rates for Senior Drivers in Dothan

Average cost of car insurance in Dothan, Alabama

Average cost in Dothan – By Age

Average cost in Dothan – By Gender

Average cost in Dothan – Marital Status

Average cost in Dothan – By Accident and Violation History

Average cost in Dothan – By Credit Tier

Average cost in Dothan – By Zip Code

Minimum car insurance requirements in Alabama

Each state in the U.S. has requirements for a motorist’s minimum insurance in order to operate a vehicle legally. For drivers based in Dothan, the requirements for minimum car insurance include the following:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one incident
• $25,000 maximum for property damage per incident

While many providers include these coverage amounts in a standard policy, we still recommend reviewing the terms of your agreement prior to accepting.

How to buy car insurance in Dothan

Drivers may feel that purchasing a car insurance policy is a complex and lengthy process. However, many motorists may not know that they can find a plan within minutes through comparison sites such as Insuranceopedia.

Listed below are some necessary steps when purchasing motor insurance in Dothan.

Step 1: Collect Relevant Information

You can complete the information step during the actual buying process, however, it’s always easier to make sure that you gather relevant information in advance. The information you’ll be asked to provide includes:

• Driving history for all drivers on the plan
• Information regarding your vehicle — annual mileage, safety features, current odometer reading, VIN, make, model, and year of the vehicle
• Driver’s license numbers for all policy members
• Name and birthdate of all policy members
• Information on the current insurer, if you’re switching providers

Step 2: Be Aware Of Your Coverage Needs

For motorists in Dothan, the state requires each driver to carry a policy that has the following minimums:

• $25,000 bodily injury liability limit per person
• $50,000 maximum for all bodily injuries to be paid for any one incident
• $25,000 maximum for property damage per incident

Note down these numbers and remember them as you proceed with your application. The state of Alabama could issue you a fine for driving without suitable insurance and minimum coverage.

Step 3: Select a Buying Method

In the digital age of which we are living, many people shop online for their insurance as it’s often the simplest method. It also allows a motorist to compare different providers and their quotes without the added pressure of an insurance agent. However, there are some benefits to the old-school method.

For example, working with an agent allows you an instant answer to any burning questions. While many providers have a live chat feature on their website, you may have to wait a while for the information you need in order to proceed with the purchase.

Regardless of which method you choose, be it online or through an insurance agent, choosing the plan that’s best for you and your situation is the most important thing.

Step 4: Compare Motor Insurance Policies

It’s often easier to choose the first company you see a quote from. However, if you select three providers and receive quotes from them, you can compare their premiums and look at the types of discounts you qualify for.

Step 5: Purchase Your New Motor Insurance Policy

The final step in the process is, of course, purchasing your new policy. At this point, you’ve already made your decision, so before you buy – tie up any loose ends.

For instance, if you’re switching providers, you’ll want to contact your previous carrier and tell them to cancel your policy after the new plan is in place.

Factors that impact the cost of your policy in Dothan

There are several factors that play a role in determining the rates of your monthly payments. An example of one is your location.

The provider could deem your location to be high-risk depending on which zip code you live in or where your car is kept when not on the road. In these zones, car theft and vandalism are more likely to occur, so insurance rates tend to be a little higher.

Along with location, other factors that can impact your rates are:

• Age
• Gender
• State Insurance Requirements
• Driving Record
• Vehicle Type
• Average Annual Mileage
• Credit History
• Marital Status

Alabama car insurance laws to be aware of

Alabama’s most important insurance law is the minimum liability coverage of 25/50/25. Motorists are, by law, required to carry an insurance plan with a minimum of $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

These coverage levels are good way of protecting the other driver involved, however, it will not cover expenses for you or your vehicle. To ensure that you have full protection, you’ll need additional insurance such as comprehensive or collision coverage.

In the news

• Motor insurance experts predict rates to go up by 7 percent throughout Alabama, affecting cities such as Dothan.
• State Farm could stop offering coverage for certain Kia and Hyundai vehicles due to likelihood of theft within the region

Information about Dothan

One of the most progressive cities of the region, Dothan offers a range of cultural entertainment, shopping opportunities, and affordable housing. Providing its residents and tourists with the modern amenities and conveniences of larger cities, while retaining the charm of the South.

While exploring Dothan, you can spend your time strolling through its stunning parks including Baumans Pond Park, Solomon Park, Fairview Park, and Kelly Springs Recreation Area, as well as learning a thing or two at the GW Carver Interpretive Museum, or enjoy a trip to the Wiregrass Museum of Art.

Motor insurance discounts in Dothan

In addition to looking for the cheapest rates, drivers are encouraged to take advantage of discounts provided by the insurer as they could help save you some cash. Listed below are some of the discounts to keep in mind when it comes to purchasing car insurance:

• Safe driver
• Low mileage
• Accident-free
• Defensive driving
• Good student
• Student away
• Senior
• Military
• Multi-policy
• Multi-vehicle
• Paid in full

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