Ways to Lower the Cost of Auto Insurance in Tuscaloosa, AL

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The average cost of auto insurance in Tuscaloosa, AL, is $1,404. This is lower than in most neighboring places such as Northport, Coaling-Vance, and Coker. Residents of Tuscaloosa should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Tuscaloosa.

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Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Tuscaloosa, AL. As the table above indicates, the cost of auto insurance for a driver whose credit score is “exceptional” is as low as $1,205. This can go up to $2,290 if this score is “poor”.

Multi-Car Insurance:

Car owners in Tuscaloosa, AL, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Tuscaloosa, AL, is $2,471, while it would cost $4,942 for four cars. The savings on multi-car insurance in Tuscaloosa also depends on the make and model of the vehicle.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Tuscaloosa, AL, post-DUI, increases to $2,489. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Tuscaloosa. Other violations that can have a long-term impact on auto insurance in Tuscaloosa include driving with an expired license and running a red light. The former leads to an increase of $946, while the latter leads to an increase of $327.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Tuscaloosa on a low deductible ($500) is $948. It decreases to $800 when the deductible is higher ($1,000).