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.
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 Rates
- Cherokee, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cherokee, AL
- Multi Vehicle Insurance Savings in Cherokee, AL
- How Credit Score Affects Car Insurance Rates in Cherokee, AL
- How DUI Affects Auto Insurance Premiums in Cherokee, AL
- Top Auto Insurance Agents Near Cherokee, AL
- How Driving Violations Affect Auto Insurance Rates in Cherokee, AL
- Cherokee, AL Auto Insurance Discounts on Anti Theft Feature
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 |