Call Us Call Us Now | (251) 504-3951
Fortified Home Associate
Auto Insurance In Gulf Shores AUTO & HOME

Serving the primary needs of Orange Beach and Gulf Shores Insurance needs.

Read More
Business Insurance In Gulf Shores BUSINESS

We specialize in workers comp and liability to protect your business and employees.

Read More
Condo Insurance In Gulf Shores CONDO

We insure all condos in Gulf Shores and Orange Beach through our list of carriers.

Read More
Flood Insurance In Gulf Shores FLOOD

We write through a host of carriers to find great insurance rates in Orange Beach and Gulf Shores.

Read More
Marine Insurance In Gulf Shores MARINE

We have access to nationwide insurance carriers to insure everything from skiffs to yachts in the beautiful waters in Gulf Shores and Orange Beach.

Read More
Life Insurance In Gulf Shores LIFE

Let us help you understand the value of life insurance while we find the best rate in the area to save you money and give you peace of mind.

Read More

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Auto Insurance Information

What is auto insurance?
Auto insurance protects you against financial loss in the event of an accident. It is a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides the three following coverages:

  • Property coverage: pays for damage to or theft of your car.
  • Liability coverage: pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage: pays for the cost of treating injuries, rehabilitation and, in some cases, lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any of your passengers are injured in an accident, medical costs can be very expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance an important financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay for claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
Facebook
LinkedIn
Google+
Yelp
Safeco Insurance
Coastal Alabama Insurance & Financial Services – Customers Review
Progressive
The HartFord
Travelers
MetLife
Coastal Select Insurance Company
© Copyright. All rights reserved.
Powered by Insurance Website Builder