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Best Local Car Insurance Agencies in Huntsville

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Budget Insurance Agency logo
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License Verified:

License: 304781

Alabama Department Of Insurance

Budget Insurance Agency

1505 Pulaski Pike Northwest, Huntsville, AL 35816
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  • Multiple Carriers

Business Description

Budget Insurance Agency is a Huntsville-based business that assists clients in different areas, including auto insurance. Regardless of a client's vehicle, driving record, or age, the agency's agents provide car insurance plans that include coverage for property damage, liability, and medical expenses. They have access to a range of policies from carriers like Dairyland, Progressive, National General Insurance, Bristol West Insurance Group, and AssuranceAmerica. Budget Insurance Agency also insures recreational vehicles and motorcycles.

License Verified:

License: 304781

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.2 / 5 (121)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Burkett & Associates Insurance Agency, Inc. logo
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License Verified:

License: 82332

Alabama Department Of Insurance

Burkett & Associates Insurance Agency, Inc.

2400 Bob Wallace Avenue, Huntsville, AL 35805
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  • Multiple Carriers

Business Description

Since 1991, Burkett & Associates Insurance Agency, Inc., has been providing auto insurance products for drivers near Huntsville. The independent broker represents many insurance companies such as Safeco and The Hartford, allowing it to help clients find the policy that meets their needs and expectations. It offers protection for clients' cars through insurance that provides bodily injury, property damage, collision, medical payments, and uninsured/underinsured motorist coverage. Burkett & Associates Insurance Agency is a member of the Strategic Insurance Agency Alliance.

License Verified:

License: 82332

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Grier Insurance - Madison logo
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License Verified:

License: 237598

Alabama Department Of Insurance

Grier Insurance - Madison

9668 Madison Boulevard, Madison, AL 35758
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  • Multiple Carriers
  • Bundling Option

Business Description

Grier Insurance, which is located in Madison, serves individuals and businesses in Huntsville. Included in its line of products is auto insurance. The agents of the firm review policies from multiple carriers in order to find coverage that will suit car owners' unique needs. These carriers include Progressive, Safeco Insurance, The Hartford, and Travelers. The professionals also insure RVs, ATVs, motorcycles, and boats. Grier Insurance is a four-person family business that uses a consultative approach when serving clients.

License Verified:

License: 237598

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (33)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jon Peters Insurance logo
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License Verified:

License: 245784

Alabama Department Of Insurance

Jon Peters Insurance

1017 Meridian Street North, Huntsville, AL 35801
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  • Multiple Carriers
  • Bundling Option

Business Description

Jon Peter has been in the insurance industry since 2000 and now operates Jon Peters Insurance agency with his own team of seasoned agents. They provide a range of insurance policies in Huntsville and nearby areas. This includes an auto insurance policy that protects the policyholders in the event of an accident for liability, car damages, and medical expenses. Aside from client servicing, the agency is also active in charitable community causes.

License Verified:

License: 245784

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (56)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
River Tree Insurance logo
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License Verified:

License: 444257

Alabama Department Of Insurance

River Tree Insurance

507 Drake Avenue Southwest, Huntsville, AL 35801
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  • Bundling Option

Business Description

River Tree Insurance is a firm that serves the people of Huntsville. It offers a wide range of insurance products, including auto insurance. The company’s professional brokers represent several financially sound insurance carriers and can help vehicle owners secure car insurance policies that will fit their needs and requirements. River Tree Insurance was established in 2009 by Brannon King, who comes from a long line of insurance professionals, starting with his grandfather who entered the insurance business in 1925.

License Verified:

License: 444257

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (34)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rocket City Insurance Group logo
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License Verified:

License: 282669

Alabama Department Of Insurance

Rocket City Insurance Group

4040 Balmoral Drive Southwest, Huntsville, AL 35801
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  • Multiple Carriers

Business Description

Rocket City Insurance Group is an independent insurance agency providing personal and business insurance. With a goal of educating and servicing the residents of Huntsville and the rest of Alabama, the agency offers auto, homeowners, personal, flood, motor home, and renters insurance under its personal coverage. Rocket City Insurance Group has dedicated, experienced, and professional staff to address the clients' insurance needs. It represents some of the top-rated insurance companies like Chubb, Centauri Insurance, ASI, and American Modern.

License Verified:

License: 282669

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (161)
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wiley Insurance Agency Inc. logo
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License Verified:

License: 300294

Alabama Department Of Insurance

Wiley Insurance Agency Inc.

1644 Slaughter Road, Madison, AL 35758
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  • Multiple Carriers

Business Description

Wiley Insurance Agency Inc. has access to over 20 carriers that can provide auto insurance coverages to Huntsville car owners. Owner and principal Roxy E. Wiley has been managing insurance matters since 1992. Wiley and his team also provide protection plans for antique vehicles and classic automobiles. They assess drivers' potential risks and find insurance plans fit for their needs. Wiley undergoes educational seminars regularly to assist clients further in solving their insurance concerns.

License Verified:

License: 300294

Alabama Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.7 / 5 (18)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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 circumstances. 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.

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 circumstances. 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 circumstance 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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