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Larry Burkman Agency

4820 University Dr., Ste. 7
Huntsville, AL 35816

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Higher Insurance Risks Based on Make, Model and Condition of Car

In a perfect world, your impeccable driving record would be enough. Unfortunately, we live in a flawed society where accidents happen, and risk is attributed to specific car types.

The Larry Burkman Agency team in Huntsville, AL, understands all the nuances of insuring your vehicle. Other car insurance risk factors include make and model, condition (or age), and engine. Color is thought to indirectly affect your premiums. 

Make and Model

Sports cars often attract thieves. Some SUVs, Jeeps, and AWD vehicles, such as the Land Rover Range Rover, Honda CR-V, and BMW X6, are often on the “to-steal” list, too. Their engine power and resale value make them targets for higher insurance rates.

Engine and Features

Cars with a lower safety rating often cost more to cover. In addition, vehicles with larger, more powerful engines may raise an insurance premium. In the case of engine size, larger engines typically come with riskier driving because operators drive them faster, making your policy more expensive.

Condition and Age

Newer cars may result in paying higher premiums. That’s because replacing it would cost more, and the premiums often cover the depreciation of your vehicle. Otherwise, you may not be able to request a car like this after you have made your accident claim. 

Older cars are often less expensive to insure. However, they cost more to repair and could be deemed unsafe to drive. Depending on their condition, this could put them in a high-risk insurance bracket. 


Brighter cars often cost less to insure. They’re more noticeable, so people may witness one being stolen. The darker colors are also sometimes considered dangerous because you can’t always see them when driving at night. 

This guide concerning what affects your car insurance rates may leave you with more questions than answers. If so, please don’t hesitate to contact the Larry Burkman Agency serving Huntsville, AL.

Auto Insurance Basics for Huntsville Drivers

If something is to happen to your automobile, you could be out of commission for a longer period of time than expected. Injuries are also common when accidents take place. At Larry Burkman Agency, we understand the needs of Huntsville, AL motorists instinctively. To find out more about auto insurance basics and how these policies assist local drivers, check out the following guide.

Consider Your Driving Frequency

The frequency at which you drive will play a major role in the policy that you select. Perhaps you are working from home now or maybe your children are riding the school bus this year. When these changes take place, your auto insurance policy needs to reflect that. On the other hand, those with longer commutes will have a different set of decisions to make.

Who Is Using The Vehicle?

Whether the vehicle is being utilized by a teenager who does pizza deliveries after school or you are lending it to an older relative, you will need to make sure that you have the right amount of coverage. Fortunately, Alabama residents have the peace of mind that comes with knowing that their insurance follows the car, not the driver. No matter who is driving, you will be covered.

Research Your Potential Incentives

If you are a safe driver who prioritizes a steady hand behind the wheel, this can have a positive effect on your auto insurance policy. The more mindful you are as a driver, the more incentives are available to you. Bear this in mind if you have a number of moving violations on your record. These will have an adverse effect on your chosen policy.

Huntsville, AL residents who wish to learn more about a potential auto insurance policy are urged to contact Larry Burkman Agency as soon as possible. Our team of professionals will walk you through every aspect of the decision-making process.

Four Types of Auto Insurance Coverage

When you need auto insurance, there are many different types of coverage that can be included in your policy. These include types of liability coverage as well as coverage for your own damages. When you need auto insurance in Huntsville, AL, call us at Larry Burkman Agency. Don’t drive in the Rocket City without the insurance you need to protect yourself.  

Bodily Injury and Property Damage Liability

These are two types of liability insurance that you’re required to have. When you have bodily injury liability coverage, it covers the other party’s medical bills that are due to the accident that you caused. If it’s judged that you’re the person at fault for the accident, you will owe all of the money for these medical bills. Bodily injury liability pays them as well as other costs such as legal bills and lost wages for the other party. 

Property damage liability also pays for the bills of the other person if you are at fault for the accident. This type pays for the vehicle damage or damage to other items such as personal items in the vehicle, damage to a building, etc. Both of these liability types are required by the state. 

Comprehensive and Collision Coverage

Comprehensive and collision coverage are two types that aren’t required in Alabama, but no driver should be without them. Comprehensive coverage is protection against many of the risks that a vehicle faces when you aren’t driving it. Collision coverage protects you by paying for the damage to your own vehicle if you are at fault for the accident. Both of these types are important to have for your own financial protection. 

Get Auto Insurance 

If you don’t have all of these essential types of auto insurance, call us at Larry Burkman Agency in Huntsville, AL to get started. 

Roadworthy Protection: Get Auto Insurance for Peace of Mind

There is nothing worse than getting into an auto accident and finding out that you or the other driver involved in the accident doesn’t have adequate auto insurance to repair or replace your vehicle. The auto insurance experts at Larry Burkman Agency in Huntsville, AL can answer your auto insurance questions and help you choose the best auto insurance policy for your needs. 

Why You Need Alabama Auto Insurance

Alabama state laws require that all drivers on the roads have adequate auto insurance to protect them in the case of an accidental collision with other drivers when auto accidents happen unexpectedly. 

Not having adequate auto insurance can lead to devastating financial losses and out-of-pocket expenses that most drivers can’t afford to pay all at once. Alabama auto insurance experts at Larry Burkman Agency can help you choose the best auto insurance coverage options to protect your investment based on your individual driving and insurance history. 

Talk to a knowledgeable agent to learn more about the benefits of non-collision coverage included in comprehensive and collision plans that can help drivers cover the costs of events like theft, vandalism, or natural disasters. Your agent can advise you on the best auto insurance policy options based on your driving history and your current insurance score.

A licensed auto insurance agent can help you understand the differences between collision-based liability insurance and non-collision-based insurance policies for comprehensive and collision coverage. 

Don’t get caught driving in Huntsville, AL without insurance! 

Avoid penalties and fines for driving without insurance and the potential costs for an at-fault accident. Contact the auto insurance experts at Larry Burkman Agency and get a free Alabama auto insurance quote today! 

Types of auto insurance coverage you can add to your policy

At Larry Burkman Agency, serving the greater Huntsville, AL community, we are an independent insurance agency. What that means is that we do not work for one insurance carrier, we deal with many carriers, and we work for you. Our approach is to make sure that you have insurance that gives you exactly what you need at a price that makes sense with your lifestyle. 

A basic auto policy only includes liability coverage which protects other drivers from an accident you are responsible for. But there is much more that you can choose to add to your policy to make it meet your needs. 

Auto Insurance Add-Ons


Collision coverage covers your vehicle in an accident that you are responsible for. It can repair or replace your vehicle after a deductible is met. 


Comprehensive coverage covers most other things that might damage your vehicle other than a collision. It also provides theft coverage in the event your vehicle is stolen.

Gap coverage

If you have a brand-new vehicle and an auto loan, you may owe more than the insurance company will pay you for your totaled vehicle. This leaves you with a remaining dollar amount you would have to pay out of pocket. Gap coverage pays that difference.  

Uninsured or underinsured coverage

If your vehicle is damaged by a driver with no insurance or inadequate insurance, this coverage protects your vehicle. 

Rental coverage

If your car is damaged in an accident, this coverage provides a rental car so that you have transportation. 

Full glass

Full glass provides glass coverage for your windshield and other windows for total replacement or repair with no deductible. 

Reach Out To Us

Contact Larry Burkman Agency in Huntsville, AL for all your insurance needs. We will be here for you from the time you purchase your policy through any claims you may have.  

Partner Carriers

  • ASI
  • Foremost
  • National General
  • Orion
  • Progressive
  • Safeco
  • Safeway
  • The Hartford
  • Travelers
  • Universal