Brook Highland Auto Insurance Rates, Quotes, Agents & Reviews in AL

Brook Highland, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Brook Highland, 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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The Real Cost of Car Insurance in Brook Highland, AL

Brook Highland, Alabama, is a delightful suburb of Birmingham, known for its suburban serenity, scenic beauty, and growing community. As with all areas in Alabama, residents are legally required to have car insurance. Let's dive deep into the intricacies of car insurance rates in Brook Highland, exploring the leading competitors, and discerning the myriad factors that shape the costs.

Premier Competitors and Their Pricing Structure

Though the specific prices can oscillate based on a multitude of personalized parameters, here’s a general overview of the leading competitors in Brook Highland, AL:

  • State Farm: A dominant name nationwide, State Farm’s average annual premiums in Brook Highland range roughly from $1,180 to $1,610.

  • Geico: Another titan in the industry, Geico's average rates for Brook Highland citizens swing between $1,090 and $1,530 annually.

  • Allstate: A versatile insurer, Allstate’s annual car insurance premiums for the area hover between $1,270 and $1,710.

  • Progressive: Celebrated for its client-centric approaches, Progressive's rates in Brook Highland generally span from $1,240 to $1,660.

  • Farmers: Renowned for its vast bouquet of insurance offerings, Farmers’ rates for Brook Highland typically stand between $1,210 and $1,670 annually.

The Dynamics of Quotes, Rates & Agents

Car insurance in Brook Highland is a fascinating interplay of quotes, rates, and agents:

Quotes: These provide potential policyholders an estimate of their insurance cost. It’s imperative for Brook Highland residents to collate multiple quotes, ideally both online and via agents, to clinch the most competitive rate.

Rates: Your rate isn't just a random figure; it encapsulates a myriad of factors - from the brand of your car to Brook Highland's local accident stats.

Agents: They are the human touch in the often-complex realm of insurance. With a trove of experienced agents serving Brook Highland, residents are assured of personalized advice and best-fit policies.

Factors Sculpting Brook Highland’s Car Insurance Rates

Insurance rates in Brook Highland don’t emerge out of thin air. They're a sum total of:

  • Demographics: Age, gender, and marital status can pivot rates. For instance, teenagers, particularly males, often find themselves quoted higher premiums.

  • Driving History: Past misdemeanors on the road, like speeding tickets or accidents, can send your premium northward.

  • Vehicle Attributes: A top-of-the-line luxury car will invariably demand a heftier insurance price than a compact family vehicle.

  • Credit Profile: Insurers sometimes correlate credit scores with risk, implying that a healthier score might save you some dollars.

  • Local Crime Data: Areas with elevated auto theft or vandalism stats might experience a spike in insurance costs.

  • Claim Patterns: A heightened frequency of claims in Brook Highland might indirectly result in marginally escalated rates for residents.

  • Local Factors: Unique elements, like prevalent weather challenges or road congestion in Brook Highland, can further tweak rates.

Brook Highland's car insurance landscape is a melange of individual driver profiles, local nuances, and the broader Alabama market scenario. By meticulously navigating the labyrinth of providers, understanding pricing factors, and leveraging the expertise of agents, residents can ensure robust coverage without breaking the bank.

Factors that can influence the cost of car insurance in Brook Highland, 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.

Brook Highland, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Brook Highland, AL with that of other cities in and around Brook Highland.

Brook Highland Shoal Creek Leeds Meadowbrook Highland Lakes Mountain Brook
Average Insurance Rates $1,694 $1,783 $1,559 $1,627 $1,797 $1,953

Brook Highland, 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 Brook Highland, 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)
Brook Highland $1,908 $1,611
Vestavia Hills $1,263 $1,067
Highland Lakes $1,348 $1,139
Meadowbrook $1,636 $1,382
Mountain Brook $1,986 $1,677
Shoal Creek $2,419 $2,044
Indian Springs Village $1,546 $1,306
Leeds $1,615 $1,364

Brook Highland, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Brook Highland, 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 $5,497
20 Years $2,177
30 Years $1,676
40 Years $1,613
50 Years $1,494
60 Years $1,515
70 Years $1,763

Brook Highland, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Brook Highland, 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 $2,914 $474
3 Vehicles $4,371 $711
4 Vehicles $5,827 $949

Savings on 2 Vehicles bundle:$474

Savings on 3 Vehicles bundle:$711

Savings on 4 Vehicles bundle:$949

Brook Highland, 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 Brook Highland, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Brook Highland $1,694 $3,003
Vestavia Hills $1,448 $2,567
Highland Lakes $1,797 $3,186
Meadowbrook $1,627 $2,885
Mountain Brook $1,953 $3,463
Shoal Creek $1,783 $3,161
Indian Springs Village $1,685 $2,988
Leeds $1,559 $2,764

Brook Highland, 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) $1,453
Excellent (740-799) $1,659
Good (670-739) $1,765
Average (580-669) $2,303
Poor (300-579) $2,763

Brook Highland, 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
Chay Watkins State Farm 2163 Clearbrook Rd, Hoover, 35226-1566 205-824-4663
Stan Faulkner State Farm 1747 Oxmoor Rd, Homewood, 35209-4048 205-870-8400
Stead & Fuller Insurance None 2904 Crescent Avenue P.O. Box 59747, Homewood, 35259 (205) 705-3028
Curtis Gwathney Jr State Farm 1560 Montgomery Highway, Birmingham, 35216-4584 205-979-1885
Trans Con Assurance Ltd Travelers 420 Lorna Square, Hoover, 35216 None
John Patterson State Farm 1807 11th Avenue South, Birmingham, 35205-4807 205-933-5200
Michael Felton Allstate 500 Southland Dr Ste 236, Hoover, 35226 (205) 824-6668
Jack Traffanstedt State Farm 308 Montgomery Hwy, Vestavia, 35216-1804 205-823-3370
Clark Associates Liberty Mutual Independent 2229 ROCKY RIDGE RD, BIRMINGHAM, 35216 205-823-2300
Pat Donalson Clu Chfc Nationwide 1729 S Lakeshore Dr, Birmingham, 35216-1621 (205) 942-7543

Brook Highland, 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 +$75 $1,769
Driver's Failure In Showing Documents +$164 $1,858
Driving With An Expired Registration +$174 $1,868
Driving At A Considerably Slow Pace +$368 $2,062
Using A Cellphone While Driving +$388 $2,082
Running A Red Light +$395 $2,089
Speeding +$415 $2,109
Driving A Vehicle Without The Required Permission +$527 $2,221
Driving With An Expired/Suspended License +$1,142 $2,836

Brook Highland, 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 $1,626
Active Disabling Device $1,626
Tracking Device $1,592
Passive Disabling Device $1,575