Car Insurance in Hoover

Create a safe harbor for your car with good car insurance in Hoover for the best price. 
Compare, shop and customize quotes from top-rated insurance carriers.

Put a Protective Hedge Around Your Car With Car Insurance

Hoover, Alabama, is in Shelby and Jefferson Counties. It has a population of just over 92,000. although just shy of 63,000 of these people are employed. 

According to Data USA. of those employed in the city, 80% drive to work alone, 11.7% work from home and 6.71% carpool. That puts around 52,000 cars on the roads in this city as people try to get to and from work in a city with minimal public transportation. 

The average amount of time that people spend commuting to work is 25 minutes. That means that they are in the car for almost an hour to get to and from work, although the rates for car insurance in Hoover are less than the national and state averages, indicating that it is a fairly safe city to drive in. 

Minimum Requirements in Alabama

Alabama is a 25/50/25 state. The first 25 means that you must have at least $25,000 of bodily injury liability coverage per person in an accident. The 50 means that the minimum maximum bodily injury payment you must have for an accident is $50,000. The final 25 means that you must have at least $25,000 in property damage liability coverage. 

Subrogation in Alabama

When your insurance company doesn't want to pursue subrogation for your expenses in an accident where the other driver is at fault, you can either call the other company and ask for the amount due or you can go to Small Claims Court to file a claim. You would file a claim against the at-fault driver's insurance company to get your money. 

Accidents With State Vehicles

If you have an accident caused by a state-owned vehicle, you should contact the Department of Finance. They handle all claims. 

Quote and Rate Discrepancies

When you have discrepancies between your quote and the final rate, you should contact the insurance company to determine why it is there. It could be a mistake or it could be a blemish on your record that required them to raise your rate. 

Notice of Cancellation Timeline

If you fail to pay your premium, your insurance company must give you 10 days of notice before they cancel your policy. All other reasons for canceling your policy require 20 days of notice. 

Lenders and Coverage

Lenders require you to have extra coverage on your vehicle if you have a loan on it. If you fail to obtain the insurance that your lender requires, they have the right to purchase it in your name. In this case, you will pay more for premiums than if you used VIU by HUB to get the best rate. You may also have to pay interest on your coverage rates. 

Repairs With Non-Factory Parts

Your insurance company has to restore your car to its pre-accident value, but that doesn't mean that they have to use factory parts. However, they have to use the same quality of parts. If your insurance company is using non-factory parts on your vehicle, ask them about the guarantees to make sure they are not cutting corners. 

It can be tough to pick out the right car insurance in Hoover. However, VIU by HUB makes this process easier by offering a tool you can use to find the best rates. All you have to do is input some information about your driving and get quotes immediately. 

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


World Population Review

Data USA

US Census Bureau

Alabama Department of Insurance

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