Full Coverage Car Insurance in Birmingham


Providing you a seamless experience to finding full coverage car insurance in Birmingham.





Why You Should Get Full Coverage Car Insurance in Birmingham



Have you searched for the cheapest possible coverage car insurance in Birmingham but ended up with just the coverage required due to costs? Though it may look like you got a great deal, you might regret not getting complete coverage car insurance. This may be problematic if you were discover after that the repair costs won't be covered by your insurance provider on your vehicle and to get into an accident. Unfortunately drivers in Birmingham have found out the hard way. Paying for full coverage car insurance in Birmingham offers greater security than the minimums that are mandated to you for accidents where you are not at fault. This would mean higher costs. The upside of costs of full coverage car insurance is comfort knowing that you, your vehicle, and anyone involved in an accident are covered.

Percentage of Traffic Fatalities Caused by Alcohol in Birmingham

27 %

Percentage of Traffic Fatalities Caused by Speeding in Birmingham

26 %

Percentage of Traffic Fatalities Involving Cyclists in Birmingham

30 %

Percentage of Traffic Fatalities Involving Pedestrians in Birmingham

12 %


Average Price of Full Coverage Car Insurance in Birmingham by Credit Score



  • 3,007.67

    Very Poor (300-579)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,890.33

    Fair (580-669)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,583.80

    Good (670-739)

    Average Cost of Car Insurance for those with a good credit history.

  • 1,482.89

    Very Good (740-799)

    Average Cost of Car Insurance for those with a very good credit history.



What’s Included if You Get Full Coverage Car Insurance in Birmingham

Complete full coverage auto insurance coverage isn’t a singular type of coverage but rather an combination. It’s a phrase which may have origins within finance as a way to summarize a combination of coverages required to finance or lease a car. It generally is comprised of collision and comprehensive coverage, which covers your car if damage and liability Insurance, which covers accidents and damages you cause to others. Complete auto insurance coverage tends to be more expensive than liability coverage on its own, so it may be best to hunt for cheaper prices. To sum it all up: “full coverage = liability + comprehensive + crash”. Collision insurance pays for repair prices to your vehicle if you are accountable for the collision.
cheap full coverage car insurance Birmingham AL content image

The upside of high costs to find full coverage car insurance in Birmingham is comfort knowing that your car you, and anybody involved in an accident are covered.


When Do You Not Need Full Coverage Car Insurance


For those who have an older vehicle, it may be best to ditch obtaining collision coverage in Birmingham. Let us explain. Let's say your car or truck is worth ,500, and you have a ,000 deductible. If you get into an accident, your insurer in Birmingham will contribute at most ,500 to fix or replace your car. Keep in mind, your insurance coverage won't kick in unless you get into a significant accident --one over ,000 in damages. You may be spending over /year paying. A more sound idea is to put money aside and create an collision fund if the worst were to occur --then at least you'll be prepared. By law, you're required to carry liability insurance. Obtaining liability insurance ensures that if you're at-fault, property damages or other people's bodily are covered by your own insurance. So in having an older car, you may want to opt for just getting liability insurance policy .

Percentage of Traffic Fatalities Caused by Alcohol in Birmingham

28 %

Percentage of Traffic Fatalities Caused by Speeding in Birmingham

21 %

Percentage of Traffic Fatalities Involving Pedestrians in Birmingham

27 %



How Much More You'll Pay for Full Coverage in Birmingham By Age


Age DemographicPercentage More You'll Pay
Full Coverage in Birmingham for Drivers Between 16-198,303.89
Full Coverage in Birmingham for Drivers Between 20-292,984.99
Full Coverage in Birmingham for Drivers Between 30-392,060.58
Full Coverage in Birmingham for Drivers Between 40-491,988.63
Full Coverage in Birmingham for Drivers Between 50-591,855.61
Full Coverage in Birmingham for Drivers Between 60-691,886.83
Full Coverage in Birmingham for Drivers Between 70-792,277.77



How to Get the Best Full Coverage Car Insurance in Birmingham

It a simple fact that having full coverage car insurance in Birmingham will be more costly than other kinds of coverage, but there are ways to make it cheap and help you save money on your annual bill. Regulate your deductible on your auto insurance coverage. The lower your deductible, the more you'll end up covering every month for your coverage car insurance. As mentioned, if you set aside some money and create an accident fund you have lower monthly payments and can end up increasing your deductible. Another thing you can do is ensure you claim any discounts. Comparison shopping can save you thousands each year on your auto insurance bill. There are a large number of insurance companies in Birmingham vying for your business and many will vary in costs by hundreds. If you're not comparing quotes from various insurance providers, you won't ever know if you are really getting the quote on your coverage car insurance plan.


Having full coverage car insurance in Birmingham will be more costly than other types of policy, but there are ways to make it cheap and help you save money on your annual bill.