Auto Insurance in Tuscaloosa, AL
Auto insurance is crucial for safeguarding your finances against unexpected incidents. The aftermath of accidents, theft and other losses can be financially devastating. Having sufficient insurance coverage can help you recover financially when these incidents occur.
What Does Auto Insurance Cover? 
Auto insurance helps cover costs if you’re in an accident or your car gets damaged. Standard policies typically include the following essential protections:
- Liability coverage may compensate third parties if you caused them bodily injury or property damage.
- Collision coverage may reimburse repair or replacement costs if your car is damaged in an accident.
- Comprehensive coverage may cover noncollision damage such as fire, theft or falling objects.
- Medical payments coverage may pay for medical expenses for you and your passengers after an accident.
- Uninsured/underinsured motorist coverage may provide financial assistance if you’re hit by an at-fault driver who doesn’t have enough insurance.
How Much Coverage Do I Need?
The amount of auto insurance you need depends on several factors, including your financial situation and your personal risk tolerance. In Alabama, every driver must provide proof of financial responsibility, usually by maintaining at least the state’s minimum liability insurance. However, these legal minimums may not fully cover all expenses after a major accident. It’s best to opt for higher coverage limits for more financial protection.
How Are Auto Insurance Rates Calculated?
Insurance providers use a combination of factors to determine the level of risk associated with insuring a particular driver and vehicle and then calculate the premium accordingly. These factors include the following:
- Vehicle type and value
- Location
- Driving record
- Claims history
- Coverage limits
- Deductible amount
Contact an Auto Insurance Agent Near You
At Crawford Insurance, protecting your financial well-being is our top priority. Our agents can help you customize an auto insurance plan that meets your needs and budget. Contact us today to get started.