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.
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:
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State Farm: A dominant name nationwide, State Farm’s average annual premiums in Brook Highland range roughly from $1,180 to $1,610.
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Geico: Another titan in the industry, Geico's average rates for Brook Highland citizens swing between $1,090 and $1,530 annually.
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Allstate: A versatile insurer, Allstate’s annual car insurance premiums for the area hover between $1,270 and $1,710.
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Progressive: Celebrated for its client-centric approaches, Progressive's rates in Brook Highland generally span from $1,240 to $1,660.
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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:
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Demographics: Age, gender, and marital status can pivot rates. For instance, teenagers, particularly males, often find themselves quoted higher premiums.
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Driving History: Past misdemeanors on the road, like speeding tickets or accidents, can send your premium northward.
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Vehicle Attributes: A top-of-the-line luxury car will invariably demand a heftier insurance price than a compact family vehicle.
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Credit Profile: Insurers sometimes correlate credit scores with risk, implying that a healthier score might save you some dollars.
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Local Crime Data: Areas with elevated auto theft or vandalism stats might experience a spike in insurance costs.
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Claim Patterns: A heightened frequency of claims in Brook Highland might indirectly result in marginally escalated rates for residents.
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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 Rates
- Brook Highland, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Brook Highland, AL
- Multi Vehicle Insurance Savings in Brook Highland, AL
- How Credit Score Affects Car Insurance Rates in Brook Highland, AL
- How DUI Affects Auto Insurance Premiums in Brook Highland, AL
- Top Auto Insurance Agents Near Brook Highland, AL
- How Driving Violations Affect Auto Insurance Rates in Brook Highland, AL
- Brook Highland, AL Auto Insurance Discounts on Anti Theft Feature
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 |