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.
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;
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 Rates
- Chelsea, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Chelsea, AL
- Multi Vehicle Insurance Savings in Chelsea, AL
- How Credit Score Affects Car Insurance Rates in Chelsea, AL
- How DUI Affects Auto Insurance Premiums in Chelsea, AL
- Top Auto Insurance Agents Near Chelsea, AL
- How Driving Violations Affect Auto Insurance Rates in Chelsea, AL
- Chelsea, AL Auto Insurance Discounts on Anti Theft Feature
- Chelsea, AL Auto Insurance Company Reviews
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, 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|
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|
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, 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|
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|
|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|
|Active Disabling Device||$1,382|
|Passive Disabling Device||$1,339|
Latest Auto Insurance Reviews in Chelsea, AL | Back to Top
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.
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