Bessemer, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bessemer, 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.
Affordable Car Insurance Rates in Bessemer, AL
Auto insurance is required in Bessemer, AL, to legally drive a vehicle on the road. It helps to protect you from financial losses if you are involved in an accident or if your car is stolen or damaged. Auto insurance can also protect against medical expenses and property damage caused by accidents. The average cost of car insurance in Bessemer, AL, is $1,407. The cost of auto insurance in Bessemer, AL and other areas can vary based on several factors, including the type of car you drive, your driving history, and your age. It's best to contact insurance providers in your area for specific information about auto insurance rates and coverage options. This post will educate you on essential principles that can assist you in locating cheap auto insurance in Bessemer, Alabama.
Choose a High Deductible
Choosing a high deductible for your car insurance policy can help you reduce the cost of your insurance premiums in Bessemer, AL and other areas. A deductible is the amount of money you must pay out of pocket before your insurance coverage kicks in. A high deductible means you are responsible for paying more out of pocket before your insurance coverage starts. Still, it also means that your insurance premiums will be lower. If you want to reduce the cost of your auto insurance, high-deductible coverage might be the best option. Make sure you have the deductible money available in case of an accident. For instance, car owners in Bessemer, Alabama, who chose a high deductible of $1,000 pay a premium of $1,309, whereas those who chose a low deductible of $500 pay a premium of $1,550.
Maintain a High Credit Score
Maintaining a high credit score can help you qualify for lower car insurance rates in Bessemer, AL and other areas. Insurance companies often use credit information to evaluate the risk of insuring a particular driver. Drivers with higher credit scores are typically viewed as lower risk and may be eligible for lower insurance premiums. For instance, in Bessemer, Alabama, car owners with exceptional credit scores must pay $1,207, while those with poor credit must pay $2,295.
Avoid Driving Under the Influence (DUI)
You will suffer severe consequences if you are caught driving while intoxicated (DUI) in Bessemer, Alabama. These include paying a fine, going to jail, and having your driver's license suspended. However, one of the most serious consequences you will endure is a rise in your auto insurance premiums. Insurance companies view DUI as a serious offence. This is because a DUI is considered to be a serious traffic violation, and insurance companies may view you as a higher risk to insure. Expect your premiums to go up by hundreds or even thousands of dollars if you are found guilty of DUI. For instance, on average, Bessemer, Alabama, charges $1,407 for auto insurance. A $2,495 post-DUI premium is charged to vehicle owners with a DUI history.
Factors that can influence the cost of car insurance in Bessemer, 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.
- Bessemer, AL Auto Insurance Rates
- Bessemer, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bessemer, AL
- Multi Vehicle Insurance Savings in Bessemer, AL
- How Credit Score Affects Car Insurance Rates in Bessemer, AL
- How DUI Affects Auto Insurance Premiums in Bessemer, AL
- Top Auto Insurance Agents Near Bessemer, AL
- How Driving Violations Affect Auto Insurance Rates in Bessemer, AL
- Bessemer, AL Auto Insurance Discounts on Anti Theft Feature
Bessemer, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bessemer, AL with that of other cities in and around Bessemer.
| Bessemer | Hueytown | Lipscomb | Brighton | Concord | Midfield | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,407 | $1,438 | $1,373 | $1,378 | $1,481 | $1,401 |
Bessemer, 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 Bessemer, 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) |
|---|---|---|
| Bessemer | $1,550 | $1,309 |
| Hueytown | $1,176 | $994 |
| Lipscomb | $1,414 | $1,195 |
| Greenwood | $1,147 | $969 |
| Brighton | $1,324 | $1,118 |
| Midfield | $1,430 | $1,208 |
| Concord | $2,859 | $2,415 |
| Fairfield | $1,163 | $982 |
Bessemer, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bessemer, 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 | $4,565 |
| 20 Years | $1,808 |
| 30 Years | $1,392 |
| 40 Years | $1,340 |
| 50 Years | $1,241 |
| 60 Years | $1,258 |
| 70 Years | $1,464 |
Bessemer, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bessemer, 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 | $2,420 | $394 |
| 3 Vehicles | $3,630 | $591 |
| 4 Vehicles | $4,840 | $788 |
Savings on 2 Vehicles bundle:$394
Savings on 3 Vehicles bundle:$591
Savings on 4 Vehicles bundle:$788
Bessemer, 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 Bessemer, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bessemer | $1,407 | $2,495 |
| Hueytown | $1,438 | $2,550 |
| Lipscomb | $1,373 | $2,434 |
| Greenwood | $1,545 | $2,739 |
| Brighton | $1,378 | $2,443 |
| Midfield | $1,401 | $2,484 |
| Concord | $1,481 | $2,626 |
| Fairfield | $1,420 | $2,518 |
Bessemer, 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) | $1,207 |
| Excellent (740-799) | $1,378 |
| Good (670-739) | $1,466 |
| Average (580-669) | $1,913 |
| Poor (300-579) | $2,295 |
Bessemer, 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 |
|---|---|---|---|
| Ken Caldwell Insurance Agency Inc. | Nationwide | 3926 Lorna Rd, Birmingham, 35244-1004 | (205) 733-0444 |
| Byron Eaton | Allstate | 3979 Parkwood Rd Ste 105, Bessemer, 35022 | (205) 565-0313 |
| Kenneth Chad Harris | Farmers | 5330 Stadium Trace Pkwy Ste 255, Hoover, 35244 | (205) 982-8497 |
| Trammel Harper & Williams Inc | None | P O Box 36579 Birmingham, Hoover, 35236 | None |
| Ea-Anchor Insurance Agency | Travelers | 414 LORNA SQ, HOOVER, 35216 | 205-823-7707 |
| Curtis Gwathney Jr | State Farm | 1560 Montgomery Highway, Birmingham, 35216-4584 | 205-979-1885 |
| Bracey & Bracey Insurance Service | Travelers | 106 OXMOOR RD STE 146, BIRMINGHAM, 35209 | 205-942-4400 |
| Shubert & Assoc Llc | Allstate | 135 Hayesbury Dr, Pelham, 35124 | (205) 621-1770 |
Bessemer, 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 | $1,469 |
| Driver's Failure In Showing Documents | +$136 | $1,543 |
| Driving With An Expired Registration | +$145 | $1,552 |
| Driving At A Considerably Slow Pace | +$305 | $1,712 |
| Using A Cellphone While Driving | +$322 | $1,729 |
| Running A Red Light | +$328 | $1,735 |
| Speeding | +$345 | $1,752 |
| Driving A Vehicle Without The Required Permission | +$438 | $1,845 |
| Driving With An Expired/Suspended License | +$948 | $2,355 |
Bessemer, 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 | $1,351 |
| Active Disabling Device | $1,351 |
| Tracking Device | $1,323 |
| Passive Disabling Device | $1,309 |