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

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

Zimlon, through its research, found that car owners in Chelsea, 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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Tackling High Car Insurance Rates in Chelsea, AL

Car insurance is not just a legal mandate; it's a safeguard against financial turmoil. For residents of Chelsea, AL, where rates might lean on the higher side, understanding how to navigate this landscape becomes essential. This article will guide you through the insurance labyrinth in Chelsea, providing insights into competitors, quotes, rates, and agents.

Top Competitors and Their Prices

While individual rates can greatly vary due to personal factors, here's a general overview of some of the top competitors in Chelsea:

  • Geico: Chelsea residents can expect Geico to offer rates averaging between $870 to $1,240 annually for basic coverage.
  • State Farm: With State Farm, the rates in Chelsea typically hover around $910 to $1,320 per annum.
  • Progressive: A common range with Progressive for Chelsea's motorists is approximately $940 to $1,270 annually.
  • Allstate: Allstate's average annual rate for Chelsea is around $990 to $1,360.

Quotes, Rates & Agents

  • Quotes: This is the preliminary price tag that insurance companies offer based on the data you provide. It's crucial to gather multiple quotes to ensure a comprehensive understanding of what's available in the market.
  • Rates: The actual cost of the insurance policy, either monthly or yearly, is the rate. Chelsea's car insurance rates, being slightly above average, necessitate a deeper understanding to ensure you're getting value for money.
  • Agents: For those unfamiliar with insurance, an agent can be a godsend. Local agents in Chelsea, with their knowledge of the area, can offer insights and tailor-made advice, making the process smoother and more personalized.

Factors Influencing the Insurance Rates in Chelsea

The rates in Chelsea are influenced by a blend of universal and locale-specific factors:

  • Local Traffic and Accident Rates: Locations with a history of high traffic congestion or accidents often see elevated insurance rates.
  • Vehicle Theft Rates: If Chelsea experiences a higher rate of vehicle theft, this can push insurance premiums up.
  • Demographics: Parameters like age, gender, and marital status are significant. Younger drivers, for instance, might face steeper rates due to their perceived risk.
  • Local Legislation: Alabama's Tort system, which requires that fault is assigned in an accident and the responsible party covers damages, can influence rates in Chelsea.
  • Vehicle Type: Luxury vehicles or those expensive to repair often come with higher insurance premiums.
  • Driving Record: A clean driving record can mean lower rates, while histories of accidents or violations can elevate premiums.
  • Coverage Choices: The breadth and depth of your coverage, such as opting for comprehensive or higher liability limits, can influence the cost.

Chelsea, AL residents need not be passive recipients of high car insurance rates. By actively seeking multiple quotes, understanding the influencing factors, and leveraging the expertise of local agents, one can find a plan that provides both security and affordability. While it's always tempting to opt for the cheapest rate, it's imperative to ensure that the coverage you select meets your individual needs, allowing you to drive with confidence and peace of mind.

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

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

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

Chelsea Sterrett Shoal Creek Westover Highland Lakes Leeds
Average Insurance Rates $1,440 $1,402 $1,783 $1,513 $1,797 $1,559

Chelsea, 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 Chelsea, 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)
Chelsea $1,212 $1,024
Shoal Creek $2,419 $2,044
Vandiver $2,163 $1,827
Westover $1,582 $1,336
Highland Lakes $1,348 $1,139
Sterrett $1,176 $994
Dunnavant $1,258 $1,062
Leeds $1,615 $1,364

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

Teenagers in Chelsea, 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 $4,673
20 Years $1,850
30 Years $1,425
40 Years $1,371
50 Years $1,270
60 Years $1,287
70 Years $1,499

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

Car owners in Chelsea, 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 $2,534 $346
3 Vehicles $3,802 $518
4 Vehicles $5,069 $691

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$518

Savings on 4 Vehicles bundle:$691

Chelsea, 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 Chelsea, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Chelsea $1,440 $2,553
Shoal Creek $1,783 $3,161
Vandiver $2,100 $3,723
Westover $1,513 $2,683
Highland Lakes $1,797 $3,186
Sterrett $1,402 $2,486
Dunnavant $1,453 $2,576
Leeds $1,559 $2,764

Chelsea, 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) $1,235
Excellent (740-799) $1,410
Good (670-739) $1,501
Average (580-669) $1,958
Poor (300-579) $2,349

Chelsea, 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
Scott Pellowski State Farm 7420 Parkway Dr Ste 108, Leeds, 35094-4818 205-699-5139
Lynn Swink Liberty Mutual 100 Corporate Parkway Suite 225, Birmingham, 35242 1-205-995-9883
Marnie Erdman Allstate 13521 Old Highway 280 Ste 129, Birmingham, 35242 (205) 981-3000
Burchell Insurance Agency Inc Nationwide 16233 HWY 280 STE E, Chelsea, 35043 (205) 678-0800
Brent Flavin State Farm 7350 Cahaba Vly Rd Ste 102, Birmingham, 35242-6318 205-408-0448
M Pool Farmers 7816 Parkway Dr, Leeds, 35094 (205) 699-3500
Insurancesouth None 4647 Highway 280 , Birmingham, 35242 None
Mitch Carbonie Allstate 1221 Edenton St, Birmingham, 35242 (205) 298-1050
Brennan Agency, Llc None 5120 Selkirk Dr Ste 230 , Birmingham, 35242 None
Marsh Usa-Birmingham Travelers 1500 URBAN CENTER DR STE 550, BIRMINGHAM, 35242 205-262-2300

Chelsea, 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 +$63 $1,503
Driver's Failure In Showing Documents +$140 $1,580
Driving With An Expired Registration +$148 $1,588
Driving At A Considerably Slow Pace +$312 $1,752
Using A Cellphone While Driving +$330 $1,770
Running A Red Light +$336 $1,776
Speeding +$353 $1,793
Driving A Vehicle Without The Required Permission +$448 $1,888
Driving With An Expired/Suspended License +$971 $2,411

Chelsea, 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 $1,382
Active Disabling Device $1,382
Tracking Device $1,354
Passive Disabling Device $1,339

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

State Farm
The company makes up for this by offering a variety of discounts—such as its Steer Clear driver program—and having solid customer service.
Progressive has been fine. Most interaction is done over the app, so little to no customer service experience is had.
State Farm
it is comparable to other insurers in terms of insurance offerings and discounts. Get the protection you need at a price you can afford with State Farm.
I pay a very low premium with a low deductible even thought I have a luxury car