Why Care? “It doesn’t matter, til it matters.” Auto Insurance Model City Insurance has a wide range of companies that we offer for your auto insurance. Why should you shop your insurance? Why Care? A few reasons aside from the fact it’s required in the State of Alabama; you may not have enough coverage, you may be paying too much, you may be insured incorrectly, or you may not be with a creditable company. We only use A rated companies or better here at Model City Insurance.