6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (2024)

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Our Recommended Top 6 We did the research for you! Providers Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Expertise.com Rating Review Sources Why choose this provider? Compare our Top Local Car Insurance Agencies FAQs Introduction Can you add your teenage driver to your car insurance policy in Tuscaloosa? What is the average rate of car insurance in Tuscaloosa? Can high-risk drivers in Tuscaloosa get coverage? If you hit a deer across the street and accidentally damage the fender of your car, can your car insurance in Tuscaloosa cover the damage? If your vehicle was hit by a truck and the driver ran away, can your car insurance in Tuscaloosa pay for your medical expenses? What is car insurance? How does car insurance work? What does car insurance cover? Does car insurance cover theft? How does a car insurance deductible work? Do you need insurance to register a car? Can you get car insurance without a license? Do you need car insurance? How much is car insurance a month? Why is my car insurance so high? How can I get lower car insurance? Do you need insurance to rent a car? Does my car insurance cover rental cars? Can I insure a car not in my name? Can you cancel car insurance at any time? How can I change car insurance? How do you become a car insurance agent? How do car insurance agents get paid? How much do car insurance agents make? Related Articles Cheap Car Insurance in February 2023 Progressive Car Insurance Review [2024] How To Get Car Insurance Study: 62% of Americans May Be Missing Out on Car Insurance Savings Nationwide Car Insurance Review [2024] Average Cost of Car Insurance in 2023 State Farm Car Insurance Review [2024] What Does Car Insurance Cost if You Have Bad Credit? Find top Local Car Insurance Agencies nearby Other top picks in your area

6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (1)

2024

6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (2)

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Our Recommended Top 6

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  • 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (3)Licensing
  • 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (4)User Reviews
  • 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (5)Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tuscaloosa Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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Providers

6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (6)

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Featured Provider

1120 Queen City Avenue, Tuscaloosa, AL35401
Website

License: 3000737468

Expertise.com Rating

Review Sources

Google
5.0 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (7)(5)

Why choose this provider?

Pritchett-Moore Insurance, Inc., is a multi-line insurance company that has been serving the Tuscaloosa metro area and surrounding communities for more than 85 years. Established in 1984, the locally owned agency assists residential and commercial customers secure themselves and their vehicles from potential risks with an auto insurance policy. Its independent insurance agents work with multiple carriers to create a customized policy for their client's needs. Some of the basic coverage options they offer include liability, physical damage, and medical payments.

  • Bundling Option

Expertise.com Rating

Review Sources

Google
4.0 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (8)(5)
Facebook
5.0 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (9)(3)

Why choose this provider?

Capstone Insurance writes policies for automobiles for its clients based in Tuscaloosa. Depending on a customer's needs, the coverage can include protection from theft, vandalism, collision, fire, flood, or hurricane, as well as medical and legal expenses from injury and damages. Other products are also offered, including homeowners', renters', commercial, and recreational vehicle insurance. It is a locally owned independent agency with nearly 30 years of industry experience and more than 28 insurance providers.

  • Multiple Carriers

2600 6th Street, Tuscaloosa, AL35401
Website

License: 34853

Expertise.com Rating

Why choose this provider?

Amy Corbin is a State Farm insurance agent that has been providing car insurance policies to clients in Tuscaloosa for 15 years. Her team provides personal and commercial insurance for cars and trucks along with policies for motorcycles, classic cars, antique cars, and vehicle fleets. Corbin's agency has been awarded the State Farm Ambassador Award and State Farm Honor Club. The team also serves Northport and surrounding areas in West Alabama.

  • Multiple Carriers

2105 Jack Warner Parkway, Tuscaloosa, AL35401

Expertise.com Rating

Review Sources

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4.4 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (10)(16)

Why choose this provider?

The Insurance Center is an insurance agency that was started in 1957 by Hugh Prescott. The insurance agency offers personal and business insurance in its locality. Their personal insurance includes auto, health, home, and life. Under its auto insurance, one can avail of collision, rental car, and comprehensive coverage. Its business insurance solutions include workers' compensation, business owners' policies, errors & omissions, general liability insurance, and commercial auto. The agency aims to provide tailor-fit insurance programs for its clients' needs.

  • Bundling Option

1712 Hackberry Lane, Tuscaloosa, AL35401

Expertise.com Rating

Review Sources

Google
5.0 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (11)(16)

Why choose this provider?

Baldo-Downs Insurance, LLC. upholds its tradition of helping clients protect their assets through offering a variety of personal and commercial insurance policies—including auto insurance. The auto insurance policy typically covers liability, collision, and comprehensive protection and can also cover medical payments, emergency road service, and uninsured motorist protection. Serving clients in Tuscaloosa and the surrounding areas since 1981, the agency represents reputable insurance carriers such as AmTrust Financial, Dairyland Auto, and Liberty Mutual Insurance.

  • Bundling Option

1806 6th Street, Tuscaloosa, AL35401
Website

License: 79283

Expertise.com Rating

Review Sources

Google
4.3 6 Best Tuscaloosa, AL Local Car Insurance Agencies | Expertise.com (12)(10)

Why choose this provider?

Fitts Agency, Inc. is a locally-owned insurance agency serving families and businesses in Tuscaloosa. Its logo of a blue whale represents its dedication to providing quality insurance solutions which creates a "whale of a difference." The firm gives clients the option to bundle home and auto insurance, which can help policyholders maximize their savings. Its professionals can also seek specialty insurance policies for farm owners and leaders of non-profit organizations who wish to protect their properties and assets.

  • RV & Motorhome

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Pritchett-Moore Insurance1120 Queen City Avenue, Tuscaloosa, AL35401

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Capstone Insurance2201 Paul William Bryant Drive, Tuscaloosa, AL35401

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Amy Corbin2600 6th Street, Tuscaloosa, AL35401

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The Insurance Center2105 Jack Warner Parkway, Tuscaloosa, AL35401

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Baldo-Downs Insurance, LLC1712 Hackberry Lane, Tuscaloosa, AL35401

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Fitts Agency, Inc.1806 6th Street, Tuscaloosa, AL35401

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FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circ*mstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can you add your teenage driver to your car insurance policy in Tuscaloosa?

    Yes, you can add your teenage driver to your car insurance policy in Tuscaloosa. However, they will not be eligible for multi-policy discounts. Teenage drivers can have their own teen car insurance and obtain driver training and good student discounts. They can also lower their insurance premiums by removing collision or comprehensive coverage if the value of their vehicles is low.

  • What is the average rate of car insurance in Tuscaloosa?

    In Tuscaloosa, the average rate of car insurance is $1,479 per year. The rate is more than the average rate in Alabama, which is $1,450, and cheaper than the national average, which is $1,548. However, insurance rates still depend on several factors, such as driver's credit scores, age, and marital status.

  • Can high-risk drivers in Tuscaloosa get coverage?

    Yes, high-risk drivers in Tuscaloosa can get coverage by having an SR-22. The form verifies that drivers have the minimum coverage required by Alabama law for their car insurance policy. Policyholders with DUI or DWI cases, too many at-fault accidents, and repeat offenses in a short period of time can have an SR-22.

  • If you hit a deer across the street and accidentally damage the fender of your car, can your car insurance in Tuscaloosa cover the damage?

    Yes, your comprehensive coverage in your Tuscaloosa car insurance can cover the damage if you accidentally hit a deer across the street. Through this type of coverage, your fender will be replaced as long as the repair cost does not exceed your vehicle's actual cash value and you pay your deductibles.

  • If your vehicle was hit by a truck and the driver ran away, can your car insurance in Tuscaloosa pay for your medical expenses?

    Yes, your car insurance in Tuscaloosa can pay for your medical expenses if you have uninsured motorist coverage. If the truck driver ran away and there were no witnesses, you can use youruninsured motorist coverage to have yourself treated. You must report to the police and file a hit-and-run report.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

  • Can you get car insurance without a license?

    In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

  • Do you need car insurance?

    Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

  • How much is car insurance a month?

    Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

  • Why is my car insurance so high?

    Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

  • How can I get lower car insurance?

    Getting lower-cost car insurance may be possible depending on your personal circ*mstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

  • Do you need insurance to rent a car?

    In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

  • Does my car insurance cover rental cars?

    Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

  • Can I insure a car not in my name?

    In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

  • Can you cancel car insurance at any time?

    In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circ*mstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

  • How can I change car insurance?

    Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

  • How do you become a car insurance agent?

    In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

  • How do car insurance agents get paid?

    Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

  • How much do car insurance agents make?

    Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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