9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (2024)

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Our Recommended Top 9 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 Review Sources 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? 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? Compare our Top Local Car Insurance Agencies FAQs Introduction When is it necessary to purchase car insurance in Birmingham? Are young drivers and individuals with poor credit more likely to pay higher insurance rates in Birmingham? What are the mandatory auto insurance coverage limits in Birmingham? Is theft covered by Birmingham car insurance policies? What information will you need to provide when seeking a commercial car insurance quote in Birmingham? 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

9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (1)

2024

9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (2)

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Our goal is to connect people with the best local professionals. We scored Birmingham 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

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

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Featured Provider

850 Corporate Parkway, Birmingham, AL35242
Website

License: 58349

Expertise.com Rating

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5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (7)(2)

Why choose this provider?

The Alabama Insurance Agency is a professional and full-service insurance firm that serves clients in Birmingham, Childersburg, Columbus, and nearby areas. The firm provides a wide array of insurance products and services such as personal and commercial auto insurance, RV and motorhome insurance, motorcycle insurance, boat and watercraft coverage, and supervises filing and claims for SR-22 and SR-22A. The company has access to various insurance brands and carriers, allowing them to provide each client with a suitable insurance package fit to meet their needs.

  • RV & Motorhome
  • Motorcyle & ATV

9340 Helena Road Suite F #160, Birmingham, AL35244
Website

License: 3001167612

Expertise.com Rating

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Facebook
5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (8)(3)

Why choose this provider?

The Kilgore Agency, LLC, serves residents of Birmingham who need car insurance policies. The firm offers products that indemnify individuals’ personal injury liabilities during accidents, any related property damage charges, one’s own collision repairs, and theft. The agency provides coverage for boats and ATVs, and has special plans for classic cars. The Kilgore Agency offers products from established industry names such as Hagerty, State Auto, Safeco, and Progressive. It also deals in renters' and business assurance options.

  • Multiple Carriers

2225 Cahaba Valley Drive, Birmingham, AL35242
Website

License: 3000389602

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Review Sources

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5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (9)(6)

Why choose this provider?

Legacy Insurance is a full-service company that caters to the personal and business insurance needs of clients in Birmingham. The firm guides car owners, motorists, and vehicle operators in choosing the right auto insurance policy that may include liability coverage, medical payments, personal injury protection, and uninsured motorist coverage. Its agents also offer additional and specialty coverage for towing, emergency road services, and rental reimbursem*nts. The company aims to provide individualized services to all its clients.

  • Boats
  • Motorcyle & ATV

213 Gadsden Highway, Birmingham, AL35235
Website

License: 3000387632

Expertise.com Rating

Review Sources

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4.5 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (10)(78)

Why choose this provider?

PAC Insurance Agency, Inc., which is located in Roebuck, specializes in providing auto insurance plans. Serving the Birmingham area, the company offers car insurance policies that include liability, medical, and property coverage. Its team insures personal automobiles, recreational vehicles, motorcycles, boats, and watercraft. The agents have access to insurance plans from various carriers such as Safeco Insurance, National General Insurance, Progressive, and Travelers. PAC Insurance Agency, Inc., also specializes in homeowners' insurance. It has been in service since 1981.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

2120 16th Avenue S, Birmingham, AL35205
Website

License: 79151

Expertise.com Rating

Review Sources

Facebook
5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (11)(6)

Why choose this provider?

Founded in 1946, Byars Wright Insurance is a family-owned and family-operated agency serving individuals and businesses in Birmingham. It offers car insurance policies that provide collision, comprehensive, property damage, and physical injury liability coverages in the event of an accident, disaster, or theft. The agency employs more than 50 personal and commercial insurance agents who represent several insurance companies. Byars Wright Insurance was named one of the "Best Companies to Work For in Alabama" in 2016, 2017, 2018, 2019, 2020, and 2021 by Business Alabama.

  • Multiple Carriers

5850 Valley Road, Birmingham, AL35235
Website

License: 273351

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4.8 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (12)(70)
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4.9 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (13)(1)
Yelp
5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (14)(1)

Why choose this provider?

Guide Insurance is an independent Birmingham-based company that provides a variety of car insurance solutions. The agency offers the standard auto insurance package, which has liability, no-fault, collision, and comprehensive coverages. Its professional team of agents can help clients find, draft, and negotiate insurance contracts that protect against specific financial losses during the policy's term. Additionally, the firm has commercial auto, boat, homeowners', and renters' insurance that can fit customers' coverage needs.

  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

1554 Forestdale Boulevard, Birmingham, AL35214
Website

License: 297817

Expertise.com Rating

Review Sources

Google
4.4 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (15)(21)

Why choose this provider?

USAgencies has an office in Birmingham that provides the car insurance needs of clients in the area. Its team of insurance specialists can quote and write auto policies that protect people from financial losses due to road accidents and unexpected life events. The firm can also accommodate all types of drivers regardless of their record or history. Moreover, its team is dedicated to helping people shop from its multiple insurance partners and find the best coverage that can maximize their savings at the same time.

  • Multiple Carriers

9624 Pkwy E, Birmingham, AL35215
Website

License: 766692

Expertise.com Rating

Why choose this provider?

Since 2012, The Reed Insurance Agency has been serving individuals, families, and business owners residing in and around the Birmingham metro. The firm provides a wide selection of car insurance products, including auto insurance, cargo coverage, and SR-22 certifications. It can also provide auto insurance to policy buyers without a driving license. Founder and operator Lekesha Reed collaborates with multiple carriers to offer clients customized policies. The Reed Insurance Agency also sources umbrella, commercial, workers' compensation, and life insurance coverage plans.

  • Bundling Option

2809 Crescent Avenue, Homewood, AL35209
Website

License: 459916

Expertise.com Rating

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Facebook
5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (16)(11)
Google
5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (17)(7)
Yelp
5.0 9 Best Birmingham, AL Local Car Insurance Agencies | Expertise.com (18)(1)

Why choose this provider?

Robert Bray is a State Farm insurance agent operating in Birmingham. He provides auto insurance plans to all kinds of drivers, including students and seniors. Robert uses over seven years of agent experience in analyzing a client's background and driving history. He advises both safe and high-risk drivers in picking different coverage plans, such as property damage compensation and injury liability fees. He also speaks in Spanish and can converse in American Sign Language. His other insurance plans include home and health coverage.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Alabama Insurance Agency Inc850 Corporate Parkway, Birmingham, AL35242

View More

The Kilgore Agency, LLC9340 Helena Road Suite F #160, Birmingham, AL35244

View More

Legacy Insurance - Birmingham2225 Cahaba Valley Drive, Birmingham, AL35242

View More

PAC Insurance Agency, Inc. - Roebuck213 Gadsden Highway, Birmingham, AL35235

View More

Byars Wright Insurance2120 16th Avenue S, Birmingham, AL35205

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Guide Insurance5850 Valley Road, Birmingham, AL35235

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Birmingham Car Insurance AL 352141554 Forestdale Boulevard, Birmingham, AL35214

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The Reed Insurance Agency9624 Pkwy E, Birmingham, AL35215

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Robert Bray2809 Crescent Avenue, Homewood, AL35209

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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.

  • When is it necessary to purchase car insurance in Birmingham?

    Car insurance in Birmingham must be acquired before registering your vehicle. For newcomers to the state, there's a 30-day window to transfer their license and registration, while residents purchasing a new vehicle must secure insurance prior to registering it. Additionally, driving without insurance in Alabama can lead to legal penalties and financial consequences, so it's essential to have coverage in place before operating your vehicle.

  • Are young drivers and individuals with poor credit more likely to pay higher insurance rates in Birmingham?

    Yes. In Birmingham, young drivers typically face higher insurance rates than middle-aged drivers due to their limited driving experience. Additionally, individuals with poor credit are more likely to pay higher insurance rates in the state. Insurance companies often consider these factors as indicators of higher risk, leading to increased premiums for these demographics. It's important to compare quotes from different insurers to find the best rates.

  • What are the mandatory auto insurance coverage limits in Birmingham?

    In Birmingham, the mandatory auto insurance coverage limits are set by the state of Alabama. Drivers are required to have at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. This standard policy, often referred to as a 25/50/25 policy, ensures that victims of accidents have coverage for their injuries and property damage caused by at-fault drivers.

  • Is theft covered by Birmingham car insurance policies?

    Yes, car insurance in Birmingham can cover theft, but it depends on the type of coverage you have. Optional comprehensive coverage typically includes protection against auto theft. If you have this coverage, your insurance will compensate you for the loss or damage of your vehicle due to theft. It's important to check your policy and consider adding comprehensive coverage for theft protection.

  • What information will you need to provide when seeking a commercial car insurance quote in Birmingham?

    When seeking a commercial car insurance quote in Birmingham, you'll need to provide information about your business's vehicles and usage. Questions may include the number of commercial vehicles, their primary purpose, annual mileage, the number and experience of drivers, and any completed safe driving courses. Providing these details ensures an accurate quote tailored to your business needs and may help identify potential discounts.

  • 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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