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