Tuscaloosa Car Insurance - Alabama
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Inhabiting Tuscaloosa comes with its own requirements and at the height of that list is owning automobile insurance.If you were to be involved an automobile accident, owning insurance coverage would clearly be a great aid, especially if you're the person who's liable. Even if the other party is guilty, he or she might not own car insurance coverage, which may be a big problem.
Various of reasons can be stated as to why you would need car insurance coverage if you reside in Tuscaloosa. Tuscaloosa is a highly densely crowded area and it also possesses quite a great population. A head count carried out recently revealed a population density of 627 and total population of 100,287
Below is a comprehensive breakdown of the racial or ethnic profile of Tuscaloosa:
- White (51 %)
- Black (44.2percent)
- Asian (2.5percent)
- Native Americans and Alaskans (0.2percent)
- Bi- or Multi-racial (1.1percent)
- Others (0.9%)
- Male (47.8%)
- Female ([femalepercent])
- 35401
- 35402
- 35403
- 35404
- 35405
- 35406
- 35407
- 35485
- 35486
- 35487
In Tuscaloosa, the sex demographics stands as such:
During that same head count, the percentage of people who were wedded was given as 31.9%. The average age of the population were given as 28.6 years.
Being a driver in Tuscaloosa means the risk of you being part of a car crash is high. With its high population density, there are a lot of cars driving on the road. In that case, the chance of a car mishap occurring is great.
Because of steep monthly or per annum payments, a lot of drivers decide to do without car Insurance coverage. They think due to the fact that they are vigilant drivers they are less likely to be involved in a auto accident. They fail to realize that if an accident was to occur that they would be required to pay more money.
Having a car without having it insured can put your savings at serious risk. In the event that you are the guilty driver in a car accident, the burden of repairing both your car and that of the other party will fall on you.
If the other vehicle happens to be carrying multiple passengers, then the scenario may be even more serious. You may be required to bear all their hospital costs and other things such as disability.
Tuscaloosa has a mean family size of 3.21. That means in the event an automobile collision was to happen you might need to pay for the hospital expenses of 3.21 persons, as well as their disability in the event that they can no longer go to work due to injuries they got during the accident.
A recent analysis showed that the mean wages in Tuscaloosa is $42428 and 16.9% have six-figure salaries. That is quite a high fee to carry.
You will be needed to cover any property damaged by you during an automobile accident. The median property value in the city is $172114, which is quite expensive.
Even if the property is rented, paying for it is quite pricey. The mean rent people residing in Tuscaloosa pay as stated by a 2017 analysis was $984.
A cautious driver is still very much at jeopardy of being involved in an automobile crash. Another motorist may be careless and crash into you. However, if you have already insured your car you will have no reason to worry.
A 2017 study showed that 8.2% of residents are unemployed and about {labor_force_participation]% are employed. This means it is very likely that you will be involved in a collision with a driver who is unemployed. This same survey also found that 36.5% have college diplomas.
Insuring your car may go a long way in stopping you from going broke in the event that you are involved in a car mishap. Recent studies revealed that if you do not possess vehicle insurance coverage you actually end up paying more cash than you would have if you had been insured.
Convincing your auto insurance provider that you are less likely to be involved in an auto accident is a good way to reduce the price of your payments. Installing safety devices such as Global Positioning System makes your car appear safer and can go a long way in decreasing your monthly or yearly premiums. This is because your insurance coverage provider will believe that you are less of a liability. Your precise location as -87.5266 (longitude) and 33.2348 (latitude) will be recorded by the Global Positioning System this proves that you do not leave your car in dangerous places
Obtaining car insurance coverage is a great way to avoid losing money in the event a car accident happens, particularly if you live in Tuscaloosa. Getting great deals is easier during business hours, so search for insurance coverage deals now during America/Chicago business hours.
Tuscaloosa Cheapest Companies
| Cheapest Companies | Quotes |
|---|---|
State Farm | $78/mo |
Allstate | $93/mo |
GEICO | $109/mo |
Travelers | $121/mo |
Nationwide | $138/mo |
Around Cities
Alabama Cities | |
|---|---|
| Birmingham | $153/mo |
| Montgomery | $135/mo |
| Mobile | $134/mo |
| Huntsville | $130/mo |
| Tuscaloosa | $137/mo |
| Alabama | $139/mo |
Tuscaloosa Best Companies
| Best Companies | Score ? | Quotes ? |
|---|---|---|
American Family | 89 | $245/mo |
Liberty Mutual | 82 | $281/mo |
Travelers | 80 | $168/mo |
National General | 58 | $161/mo |
Tuscaloosa Drivers by Age
| Driver Age | Avg. Monthly Cost |
|---|---|
| teens | $324 |
| 20s | $280 |
| 30s | $191 |
| 40s | $250 |
| 50s | $116 |
| 60s | $168 |
| 70s | $216 |
| 80s | $123 |
Driving History
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $201 |
| Speeding Ticket | $275 |
| At-Fault Accident | $219 |
| Failure to Stop for Red Light / Stop Sign | $310 |
Tuscaloosa Scores
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $232 |
| Good | $216 |
| Average | $198 |
| Poor | $267 |
Tuscaloosa Ratings
| Cities with Most DUIs Rank | #20 |
| Cities with Most Moving Violations Rank | #19 |
| Most Popular Car in state | Honda Accord |
| Cities with Most Speeding Tickets Rank | #6 |
| Cities with Most Suspended Licenses Rank | #28 |
Averages
| Tuscaloosa Average (annual) | Alabama Average | U.S. Average |
| $1485 | $1469 | $1564 |
Group by Genders
| Gender/Marital Status | Average Annual Rate |
| Female | $1475 |
| Male | $1475 |
| Single | $1493 |
| Married | $1369 |
| Divorced | $1495 |
| Widowed | $1439 |
Violations
| Violation/Incident | Average Annual Rate |
| DUI/DWI | $2414 |
| Reckless Driving | $2357 |
| $995 | $1993 |
| $2014 | $2158 |
| Speeding Ticket (16-20 mph over speed limit) | $1734 |
Tuscaloosa Zipcodes
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Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
