Car Insurance
Albertville, Anniston, Centre, Cullman, Franklin, Gadsden, Gulf Shores, Guntersville, Huntsville, Mobile, Monroe, Montgomery, Prattville, Rainsville, Woodland

Car Insurance That Works for You—Not Just the Policy

A great car insurance policy protects more than your vehicle—it protects you, your family, and other drivers on the road. But how can you be sure your policy will actually do its job when you need it most? And how do you know you’re getting the best value for your insurance dollar?

At Randy Jones & Associates, we do things differently. As independent agents, we’re not limited to just one insurance provider. Instead, we partner with many top-rated insurers across the country, giving us the flexibility to compare options and find the coverage that fits your needs and budget best.

Why Do Auto Insurance Rates Vary So Much?

You've probably seen the ads: "Save $500 by switching!" But if everyone saved hundreds every time they changed insurers, car insurance would eventually be free.

Here’s the truth: Every insurance company uses its own rating system. They weigh different factors—like your age, driving history, vehicle model, mileage, and even location—differently. One company might favor your profile more than another, which is why a friend’s great deal might not apply to you.

That’s where a Randy Jones & Associates agent comes in. We compare rates and coverage options across multiple insurers to find the right match for your personal risk profile. The result? Smart coverage, significant value, and less hassle for you.

Bundle & Save: The Benefits of Bundling Home and Auto Insurance

Looking for even more savings and convenience? Bundling your auto and home insurance can unlock powerful benefits:

1. Significant Premium Discounts: Save between 10%–20%, and in some cases up to 25%–30%, depending on your insurer.
2. Simpler Policy Management: Manage both policies through one agent, one bill, and often one renewal date—saving time and reducing paperwork.
3. Streamlined Claims Handling: If a storm or disaster affects both your car and your home, a single insurer overseeing both claims can greatly simplify the process.
4. Access to Additional Discounts: Bundling often qualifies you for extras—auto-pay, safe-driver, or protective-structure discounts you might not otherwise receive.
5. Enhanced Loyalty Benefits: Some insurers reward bundled customers with perks like deductible waivers or faster claims processing.

More Than Just Price—We Protect What Matters Most

Yes, cost is important—but so is making sure you’re properly covered. Many drivers opt for the minimum coverage required by their state, only to find out too late that it wasn’t enough.

Our agents help you select the right level of:
• Liability coverage
• Medical expense protection
• Personal injury protection
• Uninsured/underinsured motorist coverage

Thanks to our access to multiple insurers, we often help clients increase their protection without dramatically increasing cost—and sometimes even lower premiums, especially when bundling with home insurance.

Car Insurance Discounts You Might Not Know About

We help you maximize your savings by reviewing all available discounts, such as:

• Good driver & good student discounts
• Multi-vehicle coverage
• Anti-theft devices and airbags
• Automatic seatbelts
• Safe driving and low-mileage incentives
• Bundling auto and home insurance

We’ll evaluate your vehicle, habits, and history to identify every available discount.

Other ways to save:

1. Ask about raising your deductible
2. Evaluate insurance costs before buying a new car
3. Consider reducing coverage on older vehicles
4. Drive fewer miles and maintain a clean record

Choosing the Right Insurance Coverage: More Than Just the Minimum

When choosing auto insurance, price isn’t everything. A low-cost policy might seem like a good deal until you’re in an accident. Here are tips to simplify the process:

• Consider higher limits than state minimums—liability caps often aren’t enough for multi-vehicle accidents.
• Be upfront about your driving record. Insurers verify this, and accuracy ensures a better fit and better quote.
• Look at the total package. Consider the insurer’s reputation for service, claims response, and convenience—not just price.

Let your Randy Jones & Associates agent help tailor a policy that balances coverage, cost, and peace of mind.

Talk to a Randy Jones & Associates Agent Today

Your car insurance should be more than just a policy—it should be a tool that protects your lifestyle and your future. Our local, independent Randy Jones & Associates agents will help you compare, customize, and confidently choose the best coverage options for your situation.

Ready to save and get better protection? Let’s find your perfect policy—together.

Frequently Asked Questions

• Why does my credit score affect my auto insurance price?

  Insurance companies in most states can use your credit information when setting your auto insurance premium.  Studies have shown that people with stronger credit histories file fewer or less costly claims.

  Exceptions or partial exceptions include:

  • California

  • Hawaii

  • Massachusetts

  • Michigan

  • Maryland

  • Oregon

  • Utah
• How is it possible for every insurance company to save you hundreds of dollars on your auto insurance?

  If everyone saved $500 every time they switched companies, car insurance would eventually be free. The reality is, rates do change sometimes prices go down, sometimes up (and currently they are on the rise). But, the real secret here is that every insurance company has their own rating system. For example, one company may favor certain characteristics and thus rate them differently from your age, to the make and model of your car, to your mileage, and so on. Every insurance company is a little different. So, those examples of a person saying "I saved $500 when I switched," doesn't mean everyone will save that much. Rather, that particular person's situation happened to be a better fit for that particular insurance company. This is why using a Randy Jones & Associates independent car insurance agent is so critical when selecting your auto insurance and other insurance products. A Randy Jones & Associates agent represents more than just one local insurance company. We have the ability to comparison shop among different insurance companies until we find the one that favors your unique set of risks. The result? You get the most value for your insurance dollar. Get better car insurance and save money by using a local Randy Jones & Associates insurance agent. We know cost is important, and so is your family's financial security. We all like a good deal, but a car insurance policy that fails to truly protect you is not worth the lower price you may have paid for it. Many states have "minimum" amounts of car insurance that a driver is required to have. Unfortunately, these policies are often simply not enough to protect your family's financial stability in the face of many types of car accidents (especially those involving multiple cars). Our local auto insurance agents near you will help you select the right amount of liability coverage, personal injury protection, medical expenses coverage, and uninsured and underinsured motorist coverage. Because of our ability to match your needs with the insurance company that is right for you, we are often able to provide our clients with car insurance policies that provide increased and much needed coverage without adding significantly to the cost. In fact, sometimes the cost has been the same, especially when we bundle your car insurance policy with your other insurance needs. Our professionals have the resources to deliver exceptional car insurance policies at extremely competitive prices. You want to make sure when you hit the road that you have adequately covered your risks with a car insurance policy that is right for you. That doesn't mean you have to pay a lot to do it! Part of matching your situation with the right insurance company also means examining the many car insurance discounts available to get you a better car insurance price. Auto insurance discounts are available for a variety of factors. We will consult with you to make sure we maximize your car insurance discount opportunities, including good student and good driver discounts as well as discounts for multiple vehicles insured. You could qualify for additional discounts if your car has airbags, anti-theft devices, and/or automatic seat-belts. Discounts are also available if you insure both your home and your automobiles with the same company. Here are some additional ways you can save on your car insurance: Ask for a higher deductible Check the cost of insurance on a vehicle before you buy Bundle homeowners and car insurance Maintain a good driving history Reduce certain coverages on older cars Drive fewer miles Selecting the right car insurance coverage for your needs. When it comes to car insurance, there are numerous options on the market. However, not all policies are created equal. While the insurance policy with the lowest price might be most attractive to you, selecting an option solely on price might end up costing you in the long run. Randy Jones & Associates near you is here to make sure your car insurance does its job: keeps you protected in case of an accident. As independent Randy Jones & Associates agents, we can do the shopping for you, apply applicable discounts, and most importantly make sure you have the right car insurance coverage for your situation.

• What are the implications of using my personal vehicle for business on my insurance policy?

  Using your personal vehicle for business purposes can affect your coverage. Personal auto insurance may not cover business-related accidents or liabilities. You may need a commercial auto policy or a business-use endorsement to ensure proper protection.

• Does Auto Insurance Follow the Car or the Driver?

  It's a common question. In most states, auto insurance follows the vehicle, not the driver. If someone borrows your car (with your permission) and gets in an accident, your insurance is typically the one covering the damages.

  However, there are exceptions:

  • Permissive Use: Most policies allow occasional use by others, but this varies by state.
  • Excluded Drivers: If someone is specifically excluded on your policy, they are not covered.
  • Non-owner Policies: If someone frequently drives a car they don’t own (e.g., a child or roommate), a separate policy might be required.

  Bottom line: Unless you’re listed on the policy or drive a car regularly that you don’t own, the coverage usually applies to the car—not the person driving it.

• How Do I Know If I Have Gap Insurance?

  Gap insurance protects you if your car is totaled or stolen and you still owe more than it’s worth. It covers the “gap” between the actual cash value of your car and your loan or lease balance.

  Here’s how to check if you have it:

  1. Look at your declarations page. Check the comprehensive or physical damage section for terms like “Gap” or “Loan/Lease Payoff.”
  2. Review your policy documents. It may be listed under optional coverages.
  3. Ask your agent. Not sure? We’ll gladly check for you and explain any costs or benefits.

  If you're leasing or financing your vehicle and don’t yet have gap coverage, it’s worth considering—it can save you thousands in the event of a total loss.