Alabaster Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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Ways to Lower The Cost of Car Insurance in Alabaster, AL

ways_to_lower_the_cost_of_car_insurance_in_alabaster

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.

DRIVING RECORD:

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. 

STUDENT DISCOUNTS:

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.

GREEN DISCOUNTS:

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.

MULTI-CAR INSURANCE:

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. 

ANTI-THEFT FEATURES:

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.

auto_insurance_rates_in_alabaster_al

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 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.

Alabaster Shelby County Helena Brantleyville Pelham Calera
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 $1,481 $1,251
Brantleyville $1,850 $1,563
Alabaster-Helena $1,237 $1,045
Helena $1,567 $1,323
Montevallo $1,480 $1,250
Calera $1,410 $1,191
Pelham $1,424 $1,203
Shelby County $1,509 $1,275

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
Teens $4,588
20 Years $1,817
30 Years $1,399
40 Years $1,346
50 Years $1,247
60 Years $1,264
70 Years $1,472

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
2 Vehicles $2,404 $424
3 Vehicles $3,606 $636
4 Vehicles $4,808 $848

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 $1,414 $2,507
Brantleyville $1,354 $2,401
Alabaster-Helena $1,535 $2,722
Helena $1,521 $2,697
Montevallo $1,437 $2,548
Calera $1,470 $2,606
Pelham $1,508 $2,674
Shelby County $1,535 $2,722

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
Exceptional (800-850) $1,213
Excellent (740-799) $1,385
Good (670-739) $1,473
Average (580-669) $1,922
Poor (300-579) $2,306

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
Speeding +$346 $1,760
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
Audible Alarm $1,357
Active Disabling Device $1,357
Tracking Device $1,329
Passive Disabling Device $1,315

Latest Auto Insurance Reviews in Alabaster, AL | Back to Top

Progressive
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
Allstate
I think that the premium and deductible are comparable to other car insurance companies. Allstate has several deductibles to choose from.
Progressive
Progressive's car insurance company policy allows them to price match with other competitors ,and often outright beat their prices.