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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Auto Insurance Rates in Chelsea, AL

The average cost of car insurance in Chelsea, AL is $1440.  Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.

Check out the factors and related discounts available in Chelsea in detail given below.

Multi Car Insurance Rates 

Car owners in Chelsea can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows;

auto_insurance_rates_in_chelsea_al

Based on age age of the driver

The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Chelsea, teens pay a higher average of $4673 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1425  and $1371 respectively. Chelsea car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.

Based on credit score

Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Chelsea if you are an "excellent" driver with a score of 800, your average annual premium is $1235 but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less premium whereas car owners with poor credit scores pay upto $2349 as their premium.

Based on security features 

Cars that are equipped with safety devices not only protect the vehicle and  passengers but can also save money.Car insurance companies will provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Chelsea can reduce their auto insurance costs to $1339 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1382 in Chelsea. Average Insurance cost for cars with active tracking devices is $1354.

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
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.
Travelers
I pay a very low premium with a low deductible even thought I have a luxury car