Auto Insurance
Having the right auto insurance helps protect your finances if you’re involved in an accident, theft, or vehicle damage. An auto insurance policy can help pay for expenses related to property damage, liability claims, and medical costs, depending on the coverage you select.
Whether you’re driving to work or taking a road trip across Alabama, auto insurance is a key part of responsible vehicle ownership. 
Why Is Auto Insurance Required?
Alabama law requires drivers to carry minimum liability auto insurance coverage. This coverage may help pay for bodily injury or property damage you cause to others in an at-fault accident, up to your policy limits.
If you finance or lease your vehicle, your lender or lienholder will likely require full coverage auto insurance, which typically includes liability, comprehensive, and collision coverage. These coverages help protect both you and the vehicle until it’s fully paid off.
What Is Non-Standard Auto Insurance?
Non-standard auto insurance is designed for drivers who may be viewed as higher risk by insurance companies. This can include individuals with:
- A history of accidents or traffic violations
- A lapse in coverage or no prior insurance
- Certain driving-related suspensions
Because of the increased risk, non-standard auto insurance policies may have higher premiums. However, there are often multiple carriers and coverage options available, making it important to compare policies carefully.
An insurance agent can help explain available coverages and endorsements so you can select an option that fits your driving history and budget.
Non-Standard Auto Insurance Coverage Options
Non-standard policies may include many of the same coverage types as standard auto insurance, such as:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured or underinsured motorist coverage
Optional endorsements may also be available, depending on the carrier and your situation.
Talk With a Local Auto Insurance Agency
The Goggans Insurance team with locations in Fort Payne AL, Rainsville AL, Scottsboro AL, Centre AL, Boaz AL and Jasper, TN can help you compare auto insurance quotes from multiple carriers. We’ll walk through coverage options and help you understand what may be available based on your needs.
Contact us today to start comparing auto insurance options and get clarity on your coverage choices.