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

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

Zimlon, through its research, found that car owners in Cleveland, 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.

Compare Quotes from Top Providers and Save now!

Exploring the Landscape of Car Insurance Rates in Cleveland, AL

In Cleveland, Alabama, just like everywhere else, car insurance isn't just a mandatory requirement—it's a crucial financial safety net for drivers. Yet, for many, the intricacies of car insurance rates remain an enigma. This article aims to unveil the car insurance landscape in Cleveland, highlighting competitors, the dynamics of quotes and rates, and the vital role of agents.

Top Competitors and Their Offerings

Navigating the complex terrain of insurance requires understanding the key players. Here are some of the foremost insurance providers in Cleveland and their typical offerings:

  • State Farm: A stalwart in the insurance industry, State Farm’s rates for standard packages in Cleveland hover around $920 to $1,240 annually.
  • GEICO: Known for its budget-conscious offerings, GEICO’s Cleveland rates usually fluctuate between $895 and $1,180 annually.
  • Allstate: With its customized coverage, Allstate's premium rates in Cleveland tend to average between $925 and $1,215 annually.
  • Progressive: Catering to a vast spectrum of drivers, Progressive's Cleveland rates are usually pitched between $880 and $1,130 annually.
  • Farmers Insurance: With a focus on local communities, Farmers' insurance rates in Cleveland typically lie between $900 to $1,150.

Analysis on Quotes, Rates & Agents

  • Quotes: Insurance quotes provide a preliminary estimate of what you might pay, determined by factors like the vehicle's make, driving history, and age. For an informed decision in Cleveland, it's recommended to procure and compare multiple quotes.
  • Rates: Personal factors largely drive insurance rates, but they're also impacted by local dynamics in Cleveland. The aforementioned averages offer a general perspective, but specific rates can differ substantially.
  • Agents: The unsung heroes of the insurance world, local agents provide an indispensable service. Their intimate knowledge of Cleveland, combined with industry insights, translates into tailored advice and potentially more favorable rates.

Factors Influencing Insurance Rates in Cleveland, AL

The rate you're quoted isn't arbitrary. Several variables play a part:

  • Traffic Volume and Accidents: Areas prone to high traffic or frequent accidents generally see heightened insurance premiums. In Cleveland, main roads or intersections notorious for their accident rates can directly affect insurance rates.
  • Vehicle Theft: Regions or specific neighborhoods with elevated vehicle theft rates can expect correspondingly higher insurance premiums.
  • Local Repair Costs: If it’s comparatively costlier to repair vehicles in Cleveland, whether due to parts or labor, it will naturally impact insurance premiums.
  • Demographics: If a particular area in Cleveland houses more young or novice drivers, it could witness elevated rates due to the associated risks.
  • Environmental Factors: Factors like storm frequency, heavy rainfall, or other environmental risks in Cleveland can also cause rate fluctuations.

While the realm of car insurance rates in Cleveland, AL, might initially appear daunting, it's essentially an interplay of personal, local, and corporate elements. For residents, the best approach involves diligent research, acquiring diverse quotes, cultivating relationships with local agents, and maintaining an impeccable driving record. This proactive stance can lead to a clearer understanding and potentially better deals.

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

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

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

Cleveland Nectar Allgood Rosa Blount County Blountsville
Average Insurance Rates $1,440 $1,451 $1,418 $1,428 $1,449 $1,443

Cleveland, 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 Cleveland, 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)
Cleveland $1,071 $905
Blount County $1,078 $911
Rosa $1,498 $1,265
Nectar $1,399 $1,181
Blountsville $1,642 $1,387
Allgood $2,439 $2,060
Oneonta $1,092 $922
Susan Moore $1,174 $992

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

Teenagers in Cleveland, 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

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

Car owners in Cleveland, 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 $2,477 $403
3 Vehicles $3,715 $605
4 Vehicles $4,954 $806

Savings on 2 Vehicles bundle:$403

Savings on 3 Vehicles bundle:$605

Savings on 4 Vehicles bundle:$806

Cleveland, 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 Cleveland, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Cleveland $1,440 $2,553
Blount County $1,449 $2,569
Rosa $1,428 $2,532
Nectar $1,451 $2,573
Blountsville $1,443 $2,558
Allgood $1,418 $2,514
Oneonta $1,469 $2,605
Susan Moore $1,434 $2,543

Cleveland, 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

Cleveland, 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
Kim Lee State Farm 28254 State Highway 75, Oneonta, 35121-1659 205-625-4141
Holt Hathcock State Farm 910 2nd Ave E, Oneonta, 35121-2506 205-274-4000
Karen Acker State Farm 103 2nd Ave W, Oneonta, 35121-1603 205-274-2123
Andrew Anderton Allstate 303 2nd Ave E, Oneonta, 35121 (205) 274-8888
Joe Demos State Farm 7531 Bailey Cove Road SE, Huntsville, 35802-2782 256-883-8242
Jim Murphree Insurance Agency Inc Travelers 407 2ND AVE E, ONEONTA, 35121 205-274-2378
Reggie Whitaker State Farm 1859 Bessemer Rd, Birmingham, 35208-4118 205-925-0000
Paul Hunter Farmers 2010c Franklin St SE, Huntsville, 35801 (256) 885-1855
Bryan Sheffield Allstate 4956 Valleydale Rd Ste 201, Birmingham, 35242 (205) 208-9800
Employee Benefit Services Inc None 2229 Rocky Ridge Rd. Birmingham, Vestavia Hills, 35216 None

Cleveland, 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

Cleveland, 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