Local help, real coverage, and zero pressure.
Auto Insurance That Actually Makes Sense
Whether you're driving to work, hauling equipment, or running errands around town, you need auto insurance that fits your life. At Schutz Insurance, we help drivers across Alabama get the coverage they need—without the guesswork. We'll explain your options clearly, compare top carriers, and help you find protection that works for your budget and your vehicle.
What It Covers
Liability Coverage
Pays for injuries or damage to others if you're at fault in an accident. Required by law—and essential if something goes wrong.
Comprehensive & Collision
Protects your car from collisions, theft, hail, fire, or falling trees. We'll help you decide if it's right for your vehicle's value.
Uninsured & Underinsured Motorist
Helps cover you if you're hit by someone who doesn’t have enough (or any) insurance. It’s more common than you’d think.
Frequently Asked Questions
Is auto insurance required in Alabama?
Yes—state law requires liability coverage. We’ll help you meet the legal minimum and explain any add-ons worth considering.
What’s the difference between full coverage and liability?
Liability covers damage to others. Full coverage usually adds protection for your own vehicle (collision + comprehensive).
Can I insure a teen driver?
Absolutely. We’ll walk you through costs, discounts, and safety features that can help lower the rate.
What if I have an older car?
If your car isn’t worth much, you might not need full coverage. We’ll help you weigh the cost vs. benefit.
Do you insure multiple vehicles or households?
Yes—and we can bundle your cars, trucks, RVs, and even home or renters insurance for savings and simplicity.
Auto insurance shouldn’t be confusing. With Schutz Insurance, you get honest answers, personalized options, and support from a local team who knows Alabama roads and rules. Whether you're insuring your first car or reviewing an existing policy, we’ll help you make a smart choice without the pressure.