Alabaster, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alabaster, AL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Ways to Lower The Cost of Car Insurance in Alabaster, AL
The average cost of auto insurance in Alabaster is $1,414. This is lower than the cost of auto insurance in neighboring places such as Shelby County, Helena, Pelham, and Calera. The cost of auto insurance can vary within the city from one neighborhood to another. Numerous factors affect the cost of auto insurance. Some of them being the rate of deductibles, age of the driver, and driving record. Here we explore several ways by which car owners can reduce the cost of auto insurance.
A clean driving record can help car owners receive discounts. Some insurance companies provide discounts to drivers who have been accident-free for the last 3-4 years. This discount can vary from 5 to 10 percent.
Lots of insurance companies provide discounts to young student drivers. This also depends on a good grade point average. Some car insurance companies also provide discounts between 8-10 percent to drivers under the age of 21, called driver training discount.
With the advent of technology that helps determine the cost of insurance based on miles drives, insurance companies have also started offering better discounts to those drivers who drive below a certain limit, hence contributing to a reduction in emissions. Car insurance companies also provide discounts to owners who own hybrid and electric vehicles, since this contributes to the reduction in emissions as well.
Drivers who own multiple cars can make use of this policy by insuring all their vehicles under the same auto insurance company. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. In Alabaster, the cost of insuring two cars under a multi-car insurance policy is $2,404. This helps in improving savings up to $424. Car owners can save up to $848 through multi-car insurance policies.
Equipping one’s car with the latest anti-theft features can also help in reducing the cost of auto insurance. Car owners can save up to $100 via anti-theft devices since this reduces the risk undertaken by auto insurance companies. A passive disabling device can help car owners in Alabaster reduce the cost of auto insurance to $1,315.
Auto Insurance Rates in Alabaster, AL
The average cost of car insurance in Alabaster, AL is $1,414. Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.
Check out the factors and related discounts available in Alabaster, AL in detail given below.
Multi Car Insurance Rates
Car owners in Alabaster can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows.
Based on age age of the driver
The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Alabaster, teens pay a higher average of $4588 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1399 and $1346 respectively. Alabaster car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.
Based on credit score
Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Alabaster if you are an "excellent" driver with a score of 800 and more, your average annual premium is $1213 but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less than the average insurance cost whereas car owners with poor credit scores pay upto $2306 as their premium in Alabaster.
Based on security features
Cars that are equipped with safety devices not only protect the vehicle and passengers but can also save money.Car insurance companies in Alabaster provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Alabaster can reduce their auto insurance costs to $1315 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1357 in Alabaster. Average Insurance cost for cars with active tracking devices is $1329.
Factors that can influence the cost of car insurance in Alabaster, AL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Alabaster, AL Auto Insurance Rates
- Alabaster, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alabaster, AL
- Multi Vehicle Insurance Savings in Alabaster, AL
- How Credit Score Affects Car Insurance Rates in Alabaster, AL
- How DUI Affects Auto Insurance Premiums in Alabaster, AL
- Top Auto Insurance Agents Near Alabaster, AL
- How Driving Violations Affect Auto Insurance Rates in Alabaster, AL
- Alabaster, AL Auto Insurance Discounts on Anti Theft Feature
- Alabaster, AL Auto Insurance Company Reviews
Alabaster, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alabaster, AL with that of other cities in and around Alabaster.
|Average Insurance Rates||$1,414||$1,535||$1,521||$1,354||$1,508||$1,470|
Alabaster, AL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Alabaster, AL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
Alabaster, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alabaster, AL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
Alabaster, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alabaster, AL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$424
Savings on 3 Vehicles bundle:$636
Savings on 4 Vehicles bundle:$848
Alabaster, AL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Alabaster, AL.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Alabaster, AL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
Alabaster, AL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Jami Noe||State Farm||56 Marketplace Cir Ste B, Calera, 35040-8207||205-668-7677|
|Chris Dorris||State Farm||2717 J Hawkins Pkwy Ste 115, Hoover, 35244-4026||205-985-7799|
|Melissa Reid||Allstate||2321 John Hawkins Pkwy Ste 101, Hoover, 35244||(205) 497-8714|
|Chad Watts||Allstate||911C Creekside Ct, Helena, 35080||(205) 621-2168|
|James Kirk Enterprises, Llc Dba Complete Insurance Coverage||None||137 Business Center Dr Birmingham, Pelham, 35244||None|
|Alabama Insurance Center Llc||Travelers||2032 Valleydale Rd , Birmingham, 35244||None|
|Wade Kaiser Insurance Agency Inc.||Nationwide||2473 Valleydale Rd Suite A, Birmingham, 35244||(205) 291-4100|
|The Insurance Network Inc||Liberty Mutual Independent||1051 OAK MOUNTAIN DR, PELHAM, 35124||205-663-4196|
|Tyler F Watts||Nationwide||160 Yeager Pkwy STE 107, Pelham, 35124||(205) 690-5033|
Alabaster, AL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$62||$1,476|
|Driver's Failure In Showing Documents||+$137||$1,551|
|Driving With An Expired Registration||+$146||$1,560|
|Driving At A Considerably Slow Pace||+$307||$1,721|
|Using A Cellphone While Driving||+$324||$1,738|
|Running A Red Light||+$329||$1,743|
|Driving A Vehicle Without The Required Permission||+$440||$1,854|
|Driving With An Expired/Suspended License||+$953||$2,367|
Alabaster, AL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,357|
|Passive Disabling Device||$1,315|
Latest Auto Insurance Reviews in Alabaster, AL | Back to Top
car insurance with progressive is great. they offer bundles for homeowners and the price lowers with age and years you stay with them. I give them a 5
I think that the premium and deductible are comparable to other car insurance companies. Allstate has several deductibles to choose from.
Progressive's car insurance company policy allows them to price match with other competitors ,and often outright beat their prices.