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

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

Zimlon, through its research, found that car owners in Cherokee, 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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Your Guide to Car Insurance Rates in Cherokee, AL

Navigating the waters of car insurance in Cherokee, AL, can be a challenging task. With a slew of factors influencing rates and numerous providers competing for your attention, it's essential to have a clear roadmap to guide your decisions. Here's your comprehensive guide to understanding car insurance in Cherokee.

Top Competitors and Their Prices

While individual rates can vary depending on personal circumstances, based on current trends in Cherokee, here’s a breakdown of the top competitors:

  • Geico: Cherokee drivers might see basic coverage rates from Geico ranging between $860 to $1,220 annually.
  • State Farm: State Farm generally offers Cherokee residents rates from $900 to $1,290 per year.
  • Progressive: With Progressive, the average annual rate for Cherokee motorists lies between $930 and $1,260.
  • Allstate: Cherokee drivers might find themselves paying around $960 to $1,330 annually with Allstate.

Quotes, Rates & Agents

  • Quotes: This is the initial estimated cost provided by insurance companies based on the information you supply. It's essential to get multiple quotes to secure the best rate and coverage.
  • Rates: Rates refer to the actual cost of your policy, usually provided on a monthly or annual basis. Cherokee's average car insurance rate is influenced by several factors, which we'll dive into shortly.
  • Agents: Insurance agents, especially those local to Cherokee, can be invaluable resources. Their experience and understanding of the local insurance landscape can provide insights and advice tailored to your unique needs.

Factors Influencing the Insurance Rates in Cherokee

Several factors, both universal and specific to Cherokee, play into determining car insurance rates:

  • Local Traffic and Accident Rates: Regions with a higher incidence of traffic congestion or accidents might experience elevated insurance rates.
  • Vehicle Theft Rates: If Cherokee has a relatively high vehicle theft rate, this can affect the insurance premiums for its residents.
  • Demographics: Factors such as age, gender, and marital status can significantly influence rates. For instance, younger drivers usually face higher rates due to their perceived inexperience
  • Local Legislation: Alabama operates under a Tort system, meaning someone must be determined to be at fault in an accident, with their insurance covering the associated costs. This system can play a role in the rates Cherokee residents see.
  • Vehicle Type: Driving a luxury car or a model that's expensive to repair can result in higher insurance rates.
  • Driving Record: Naturally, a cleaner driving record can lead to lower rates, whereas a history of accidents or violations can increase premiums.
  • Coverage Choices: Deciding on comprehensive coverage, higher liability limits, or additional riders will influence your rate.

Armed with the right knowledge and insights, Cherokee, AL residents can confidently navigate the car insurance market. While the journey to find the perfect insurance fit might seem daunting, by comparing quotes, understanding the factors influencing rates, and leveraging local agent expertise, you can secure coverage that offers both peace of mind and value for money. Always remember, while cost is an essential factor, ensuring you have adequate coverage is paramount. 

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

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

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

Cherokee Iuka Oakland Tishomingo Littleville Tishomingo County
Average Insurance Rates $1,411 $1,570 $1,465 $1,506 $1,412 $1,544

Cherokee, 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 Cherokee, 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)
Cherokee $1,439 $1,215
Iuka $2,754 $2,326
Colbert County $1,583 $1,337
Tishomingo County $1,046 $884
Oakland $1,713 $1,447
Littleville $1,260 $1,064
Tishomingo $2,156 $1,821
Paden $1,465 $1,237

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

Teenagers in Cherokee, 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 $4,578
20 Years $1,813
30 Years $1,396
40 Years $1,344
50 Years $1,244
60 Years $1,262
70 Years $1,468

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

Car owners in Cherokee, 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 $2,427 $395
3 Vehicles $3,640 $593
4 Vehicles $4,854 $790

Savings on 2 Vehicles bundle:$395

Savings on 3 Vehicles bundle:$593

Savings on 4 Vehicles bundle:$790

Cherokee, 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 Cherokee, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Cherokee $1,411 $2,502
Iuka $1,570 $2,604
Colbert County $1,434 $2,543
Tishomingo County $1,544 $2,561
Oakland $1,465 $2,597
Littleville $1,412 $2,504
Tishomingo $1,506 $2,498
Paden $1,531 $2,539

Cherokee, 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) $1,211
Excellent (740-799) $1,382
Good (670-739) $1,470
Average (580-669) $1,918
Poor (300-579) $2,302

Cherokee, 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
Rebecca Hovater State Farm 501 S Montgomery Ave Ste C, Sheffield, 35660-3861 256-383-1250
Randall Larry Hester Allstate 1810 John R St, Muscle Shoals, 35661 (256) 386-7900
Jennifer Ricks Allstate 117 Highway 72 E Ste E, Tuscumbia, 35674 (256) 389-9911
Thomas Adams Allstate 406 N Nashville Ave, Sheffield, 35660 (256) 978-5733
Elliott & Associates Travelers 112 W 5TH ST, TUSCUMBIA, 35674 256-314-1266
Phil Wiginton State Farm 419 Cox Blvd, Sheffield, 35660-4021 256-383-4521
Henninger Johnson & Layton Ins Agency Inc Liberty Mutual Independent 120 E 5TH ST, TUSCUMBIA, 35674 256-383-3400
Steve Pierce State Farm 3001 Cloverdale Rd, Florence, 35633-1477 256-764-2285
Tennessee Valley Associates Llc Travelers 1312 N WOOD AVE, FLORENCE, 35630 256-766-2222
Hicks & Associates Inc Liberty Mutual Independent 2401 HELTON DR SUITE B, FLORENCE, 35630 256-766-6000

Cherokee, 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 +$62 $1,473
Driver's Failure In Showing Documents +$137 $1,548
Driving With An Expired Registration +$145 $1,556
Driving At A Considerably Slow Pace +$306 $1,717
Using A Cellphone While Driving +$323 $1,734
Running A Red Light +$329 $1,740
Speeding +$346 $1,757
Driving A Vehicle Without The Required Permission +$439 $1,850
Driving With An Expired/Suspended License +$951 $2,362

Cherokee, 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 $1,355
Active Disabling Device $1,355
Tracking Device $1,326
Passive Disabling Device $1,312