Auto Insurance in Tuscaloosa

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Auto Insurance for Tuscaloosa Residents

Tuscaloosa, Alabama, is a welcoming college town with a suburban feel. On average, Tuscaloosa residents own about two cars per household despite the active public transportation. Residents can use the intercity bus passenger service and the Tuscaloosa trolley system. The Tuscaloosa trolley system has four routes, including two that travel to the University of Alabama. During the school year, U of A has its own bus service called Crimson Ride.

If you prefer convenience, owning a vehicle will give you more freedom to explore Tuscaloosa and the surrounding areas. For outdoor enthusiasts, there are various lakes and parks for Tuscaloosa's $100,618 residents. Park your vehicle at the Tuscaloosa Amphitheater, Randall Family Park & Trailhead or Manderson Landing and explore the Riverwalk. The Riverwalk expands to Northport and Lake Tuscaloosa, with a 4.5-mile path. Other scenic outdoor activities within driving distance include Lake Lurleen State Park, Moundville Archaeological Park and Lake Nicol. Drivers who choose to buy a vehicle, however, will require protection in the form of auto insurance in Tuscaloosa.

Fortunately, drivers don't typically have to worry about frigid temperatures, snow or ice. Tuscaloosa has a relatively mild climate with an annual high temperature of 76 degrees and an annual low temperature of 54 degrees. However, when the summer temperatures increase into the 90s, you'll appreciate having an air-conditioned car to travel the city.

Auto Insurance in Tuscaloosa

The Alabama Department of Insurance states the minimum requirement for auto insurance liability is 25/50/25 or $25,000 for bodily injury per person, $50,000 maximum for all bodily injuries in one accident and $25,000 maximum for property per accident.

If you are involved in an accident with an at-fault party, you can file a claim against the at-fault party's insurance company or file a claim with your own company if you have collision insurance. Having collision insurance not only protects you when the other party has insurance, but it also protects you if the at-fault party is uninsured.

The cost of your insurance will depend on various factors, including your vehicle's age, driving record, yearly mileage and zip code. On average, auto insurance in Tuscaloosa costs about $1,520, but VIU by HUB can help you compare rates at various price points.

Advantages of Auto Insurance

In Alabama, there is a traffic crash reported nearly every three and a half minutes, with most accidents occurring in urban areas like Tuscaloosa. Car insurance is necessary to minimize the financial impact of an accident.

Personal Liability Protection

Auto liability insurance covers the cost of bodily injuries and damage to the other driver's property when you are at fault for an accident.

Theft Protection

Basic insurance policies may not cover theft, but additional coverages and comprehensive insurance can cover the theft of the car, damage caused by a break-in and stolen parts.

Non-Collision Related Claims

Comprehensive insurance policies benefit drivers by providing various protections against hazards such as:

  • Natural disasters
  • Fire
  • Falling objects
  • Hitting an animal
  • Civil disturbances
  • Vandalism

Given Tuscaloosa, Alabama's history with tornadoes, policies that can defend against natural disasters are essential for all motor vehicle owners.

Different drivers may prefer different levels of auto insurance in Tuscaloosa. The bare minimum protects against liability, whereas additional coverages may safeguard against theft and vandalism while providing roadside assistance. Use VIU by HUB to alleviate the stress of car insurance shopping and compare insurance rates for your vehicle.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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