---
title: Auto Insurance | Get a Quote | PJ&C Insurance
description: Get a quote on auto insurance with PJ&C Insurance. Explore our tailored insurance options for residents of AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today.
---

For more than 50 years, Pepper, Johnstone & Company has insured cars, trucks, and vehicles of all different types and sizes. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection for yourself, your family, and your vehicles.

# Auto Insurance

from Pepper, Johnstone & Company

**Athens Auto Insurance: Your Comprehensive Coverage Solution in Alabama**

Securing the right car insurance policy is crucial to swiftly get back on the road in case your vehicle encounters damage or is lost due to accidents, fire, theft, or other covered events. Beyond vehicle replacement, your insurance policy acts as a shield against medical and legal expenses arising from accidents involving your car, providing coverage for injuries, loss of life, or property damage.

**Understanding Your Auto Insurance Policy in Alabama**

An auto insurance policy is essentially a contractual agreement between you and an insurance company. By paying a premium, you ensure coverage for specific financial losses related to your car during the policy term. Our skilled Account Managers at Athens Auto Insurance will guide you through the process, tailoring the coverage options to suit your individual needs.

**Diverse Vehicle Coverage Options in Alabama**

At Athens Auto Insurance, we go beyond standard car coverage. We offer insurance solutions for various vehicles, including motorcycles, classic cars, motor homes & RVs, boats and jet Skis, and ATVs. Contact us today to explore the range of coverage options available for your specific vehicle.

### Get a free quote for auto insurance

We'll provide you with a auto insurance quote from an insurer that meets your needs and your budget.

[GET A QUOTE](/insurance/personal/auto-insurance/quote)

[GET SERVICE](/claims-services)

* * *

## Car Insurance Policies

**Navigating Car Insurance Requirements in Alabama**

Understanding the insurance requirements in Alabama is crucial. In some states, such as Alabama, drivers must have liability coverage to compensate for losses caused to others. Alternatively, no-fault coverage is designed to cover medical expenses for you and your passengers, irrespective of fault. Some states may require a combination of both coverages. Even in states where it's not mandatory, drivers must be capable of covering losses they cause, making car insurance a practical solution.

**Essential Coverages for Financed Vehicles in Alabama**

When financing a car, comprehensive coverage is often necessary. This includes:

**Collision Insurance** : Covering damages resulting from automobile accidents, collision insurance pays for repairs up to the fair market value of your car. It comes with a deductible, with a higher deductible resulting in lower coverage costs.

**Comprehensive (Other than Collision) Insurance**: Similar to collision coverage, comprehensive insurance extends protection to damages caused by unknown parties or "acts of God" such as vandalism, flood, hurricane, theft, windshield damage, and fire. Though not legally mandated, comprehensive coverage is typically required for financed vehicles.

Every individual's insurance needs are unique. Connect with Athens Auto Insurance today to discover the optimal coverage that provides the best value for your specific requirements in Alabama.

#### Money-Saving Tip

If you choose the same insurance company for both your homeowner & auto insurance (called "bundling"), you can get a multi-policy discount, saving you money on both policies.

#### Coverage Tip

It's important to consider having uninsured/underinsured motorist coverage as part of your auto insurance.

This coverage is used when a driver damages your vehicle and doesn't have enough insurance to pay for damage to your vehicle or medical bills for you and your passengers.

* * *

## Frequently Asked Questions about everything insurance

### How much does an auto insurance policy cost?

As most economists would say — it depends. It depends, because there are so many variables that are unique to both the vehicle and the driver being insured. It goes without saying that an exotic sports car is going to be much more expensive to insure than an economy vehicle or midsize SUV. So, even if you and your next-door neighbor bought identical cars on the same day, you will have unique underwriting characteristics specific to you that differ from your neighbor that are factored into your overall rate i.e., your age, your daily commute, the number of and age of household drivers, your prior loss history, your insurance score, your insurance history, the coverage options you select and so on. To find out how much auto insurance would cost for you, **[request a quote online](/insurance/personal/auto-insurance/quote)**

### Does my auto insurance cover rental cars?

In many cases, yes; however, what is covered depends on many factors and there are still some key coverage gaps that auto policies do not cover (i.e., diminution in value, loss of renal income, etc.), which is why it’s recommended you purchase the LDW (loss damage waiver) offered by the rental car company.

### Are there any discounts for auto insurance?

Yes! There are many auto discounts for which you may qualify. Here a few of the typical discounts: multi-policy discount, multi-vehicle discount, good student discount, drivers training discount, defensive driving course discount, loss-free discount, paperless discount and paid-in-full discount. [Contact us](/contact) to see what other discounts you may qualify for.

### I’m moving. Can I take my car insurance with me?

It depends. If you are moving within the same state, yes, your auto policy can follow you. However, if you are moving out-of-state, then no, you will need to purchase auto insurance for your new state of residency, as insurance coverages and rates very in each state.

### What happens if I need to file an insurance claim?

Always [contact us](/contact) first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process.

### What happens if an uninsured driver damages my car?

It depends on the state you live in, as coverage varies from state-to-state. In some states, uninsured/underinsured motorist coverage only applies to bodily injuries you sustain; whereas, in other states, it may apply to both bodily injury and property damage. [Contact us](/contact) to speak with one of our licensed auto insurance specialists to find out more.

### Will my auto policy cover flood damage?

In most cases, yes. Each carrier is different, so while most carriers will cover flood damage to your auto, you need to carefully review your policy to see if it is excluded. Generally speaking, if you carry comprehensive coverage, then your car is covered for flood damage.

### What is an auto insurance policy deductible?

The amount of loss paid by the policyholder. A deductible is a specified dollar amount on your policy for both comprehensive and collision coverage. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure the loss (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier.

## What do people think about us? Hear from some actual clients.

![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp)

  on Google

We recently switched our home and auto policies to Pepper, Johnstone & Co and have had a great experience. Their entire team is not only knowledgeable but down to earth and willing to share their time, tips and creative ideas. They’ve helped us to achieve to comprehensive protection at the lowest possible cost. I would recommend Pepper, Johnstone and Co to anyone.

**— J.W. E.**

![Teresa H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp)

  on Google

I am always pleased with the gracious and prompt responses to my insurance inquiries, to my specific insurance needs regarding several policies with Pepper, Johnstone & Company. The staff, especially Lauren Hart, makes every effort to take care of my insurance needs, addressing many concerns. I could not be more pleased and feel more secure knowing these folks are taking care of business for me and in my best interest.

**— Teresa H.**

![Jeremiah H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp)

  on Google

Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.

**— Jeremiah H.**

![Janet F.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp)

  on Google

This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.

**— Janet F.**

![Russ L.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-3.b43c3cdfeb80d6382a553b4fec3a455754692db1f101fb39711934fad717fb96.webp)

  on Google

I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.

**— Russ L.**

![Sharon K.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-3.d6ed73e04052f6ca0a972880370cb7984efa8cba60e0be02698dd483bb838eb6.webp)

  on Google

I have dealt with Pepper Johnstone and company in the past and have always had a good experience. This past week I needed a policy, I called Julie and she efficiently, and promptly quoted and bound coverage on the property. I would highly recommend Pepper Johnstone.

**— Sharon K.**

[MORE REVIEWS](/about/client-testimonials)

## Insurance Articles

from the Pepper, Johnstone & Company blog

[**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover)

[**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need)

[**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide)

[View all articles](/blog)

## Related Types of Insurance

[— Classic Car Insurance — for drivers](/insurance/personal/classic-car-insurance)

[— Motorcycle Insurance — for riders](/insurance/personal/motorcycle-insurance)

[— Home Insurance — for homeowners](/insurance/personal/homeowner-insurance)

[— Condo Insurance — for condominium owners](/insurance/personal/condo-insurance)

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