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

Calera, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Calera, 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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Navigating Car Insurance Rates in Calera, AL: A Comprehensive Guide

Calera, a bustling city in Alabama's Shelby County, is known for its rich heritage, scenic beauty, and economic vibrancy. However, with its ever-increasing road traffic, the significance of car insurance can't be emphasized enough. This guide sheds light on the intricate dance of car insurance rates in Calera, offering insights into major competitors, pricing points, and factors that define the insurance landscape.

Dominant Market Players and Their Pricing Panorama

While every individual's rate is influenced by personal criteria, a macro-level perspective of Calera's major insurance companies suggests the following pricing framework:

State Farm: A cornerstone in the insurance world, annual premiums from State Farm in Calera generally range between $1,100 to $1,540.

Geico: A favorite for its customer-centric strategies, Geico's rates in Calera usually oscillate from $1,030 to $1,460 annually.

Allstate: Another formidable name, Allstate's yearly rates in Calera hover around $1,210 to $1,650.

Progressive: Noted for its versatility, Progressive's pricing in Calera generally stands between $1,190 to $1,610.

Farmers: With its tailored policy options, Farmers’ rates in Calera span from $1,160 to $1,620 annually.

Dissecting the Triad: Quotes, Rates & Agents

Understanding the insurance terrain in Calera demands clarity on three pivotal components:

Quotes: Acting as financial compasses, these preliminary estimates empower residents to make informed choices. For a holistic perspective, it's paramount for Calera's citizens to gather diverse quotes, spanning both online portals and local agents.

Rates: Beyond mere numbers, rates are intricate matrices blending personal attributes with Calera-specific data points.

Agents: These seasoned professionals decode the often convoluted world of insurance, guiding Calera's residents towards tailored, value-driven solutions.

Crucial Factors Influencing Calera's Insurance Rates

Several nuanced elements converge to mold the car insurance rates in Calera:

Demographics: Age, gender, and marital status play pivotal roles. For instance, younger male drivers, due to perceived risk, often face steeper rates.

Driving History: Past traffic violations or accident involvements can escalate premiums.

Vehicle Characteristics: High-end, luxury vehicles, or sports cars might come with heftier insurance price tags compared to more standard models.

Credit Score: A robust credit history can be a premium-reducer, with many insurers equating fiscal responsibility with judicious driving habits.

Local Crime Dynamics: Areas within Calera grappling with high car theft or vandalism rates can see a spike in insurance premiums.

Claim Trends: A city-wide surge in claim applications can inadvertently push up rates for everyone.

Inherent Calera Factors: Innate aspects, like Calera's prevalent weather conditions or the city's traffic density, also sculpt insurance premiums.

Securing the right car insurance in Calera, Alabama, is a blend of understanding the city's unique rhythms, recognizing the industry's major players, and acknowledging one's personal determinants. This comprehensive guide serves as a beacon, ensuring Calera residents can navigate their way to a policy that marries extensive coverage with financial prudence.

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

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

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

Calera Wilton Montevallo Brantleyville Jemison Alabaster
Average Insurance Rates $1,470 $1,417 $1,437 $1,354 $1,424 $1,414

Calera, 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 Calera, 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)
Calera $1,410 $1,191
Alabaster $1,481 $1,251
Wilton $2,740 $2,314
Shelby $1,271 $1,074
Montevallo $1,480 $1,250
Columbiana $1,667 $1,408
Jemison $1,467 $1,239
Brantleyville $1,850 $1,563

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

Teenagers in Calera, 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 $4,770
20 Years $1,889
30 Years $1,455
40 Years $1,400
50 Years $1,296
60 Years $1,314
70 Years $1,530

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

Car owners in Calera, 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 $2,499 $441
3 Vehicles $3,749 $662
4 Vehicles $4,998 $882

Savings on 2 Vehicles bundle:$441

Savings on 3 Vehicles bundle:$662

Savings on 4 Vehicles bundle:$882

Calera, 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 Calera, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Calera $1,470 $2,606
Alabaster $1,414 $2,507
Wilton $1,417 $2,512
Shelby $1,427 $2,530
Montevallo $1,437 $2,548
Columbiana $1,494 $2,649
Jemison $1,424 $2,525
Brantleyville $1,354 $2,401

Calera, 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) $1,261
Excellent (740-799) $1,440
Good (670-739) $1,532
Average (580-669) $1,998
Poor (300-579) $2,398

Calera, 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
Joseph Harris Allstate 7895 Highway 119 Ste 11, Alabaster, 35007 (205) 685-8686
Shubert & Associates Allstate 100 Carrington Ln, Calera, 35040 (205) 378-1301
William Hart Farmers 2 Riverchase Office Plz Ste 214, Hoover, 35244 (205) 444-1111
Fred Hughes Insurance Agency, Inc. None 1945 Court 1945 Court, Hoover, 35226 None
Yellowhammer Ins Inc Travelers 1167 6TH ST SW, ALABASTER, 35007 205-624-3101
Brennan Agency, Llc None 5120 Selkirk Dr Ste 230 , Birmingham, 35242 None
The Insurance Store Inc Travelers 521 First St N, Alabaster, 35007 None
T K Smith Chfc State Farm 1500 Southlake Park, Birmingham, 35244 205-987-9099

Calera, 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 +$65 $1,535
Driver's Failure In Showing Documents +$143 $1,613
Driving With An Expired Registration +$151 $1,621
Driving At A Considerably Slow Pace +$319 $1,789
Using A Cellphone While Driving +$337 $1,807
Running A Red Light +$343 $1,813
Speeding +$360 $1,830
Driving A Vehicle Without The Required Permission +$457 $1,927
Driving With An Expired/Suspended License +$991 $2,461

Calera, 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 $1,411
Active Disabling Device $1,411
Tracking Device $1,382
Passive Disabling Device $1,367