Skip to content
Click to Call
Southern Risk Associates

710 E Laurel Ave
Foley, AL 36535

Get Directions

Southern Risk Associates Blog

Why basic auto insurance may not be the right choice

Alabama is not one of the most populous states, but the roads are far from empty. Anytime you share the road with other drivers, there is the danger of an accident. Drivers in Alabama must have the basic insurance that is required by the state in order to drive. At Southern Risk Associates in Foley, AL, we are locally owned and operated and deal with multiple carriers so that we can offer our customers the choices they need to find just the right coverage. 

The required minimum for auto insurance in Alabama is 25/50/25. You must have $25,000 for one person for bodily injury and a total for an accident of $50,000. Additionally, you must have $25,000 in property damage. In the big scheme of things, this is not a bad amount of liability coverage.

If you don’t have a lot of assets, this may be appropriate. If however, you have accumulated a reasonable amount of wealth, you might find that you need to have a higher level of coverage to feel safe. You could raise the limit on your auto policy and consider adding an umbrella policy to supplement your policy. 

Basic insurance is designed to protect other people from you in the event you are the responsible party in an auto accident. If you have a vehicle with little or no value, not covering it may be the right option. If however, you count on your vehicle to get to work and run errands, you may want to consider covering your vehicle with collision and comprehensive coverage. Having to pay for repairs can be expensive and not everyone has the available cash to manage that. 

If you have questions about what coverage is right for you, contact Southern Risk Associates in Foley, AL, and talk to one of our experienced agents. 

Servicing States

  • Alabama
  • Mississippi
  • Georgia
  • Florida

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards anytime!


Partner Carriers

  • Alcon insurance services
  • American Modern
  • Amwins
  • Chubb
  • Guard Insurance
  • National General
  • Openly
  • Orchid
  • Orion 180
  • Progressive
  • RPS
  • SafeCo
  • Sagesure
  • State Auto
  • Swyfft
  • Traveler's
  • Universal Property