Cullman, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Cullman, 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.
Super Cheap Car Insurance Rates in Cullman, AL
The average cost of car insurance in Cullman, AL, is $1,463. This cost is lower than nearby locations like South Vinemont, Good Hope, and Welti but higher in other cities like Logan. Zimlon’s research found that car owners in Cullman, AL, can get super cheap auto insurance rates and discounts by considering factors like driver’s age, vehicle’s make and model, and credit scores. These factors and associated discounts are explored in detail by Zimlon below.
Multi-Car Insurance Discounts:
Auto Insurance companies offer attractive discounts on multi-car insurance policies and bundling. In Cullman, AL, car owners can also save more by purchasing their life, auto, and home insurance from the same insurance company. Below is Zimlon’s analysis of average savings one can obtain on multi-vehicle insurance in Cullman, AL.
Anti-Theft Feature Discounts:
Vehicles equipped with safety devices less prone to theft. Therefore, auto insurance companies provide a considerable amount of discounts to vigilant car owners. Zimlon’s research found that car owners in Cullman, AL, can get super cheap car insurance by installing anti-theft features like passive disabling devices or tracking device features. After installing safety features like an audible alarm or an active disabling device, the average insurance cost comes up to $1,404. Additional features like a tracking device or passive disabling device can reduce the average insurance costs to $1,375 and $1,361, respectively, in Cullman, AL.
Age of the Driver:
Zimlon’s analysis found that teenagers and young drivers pay more car insurance costs than older drivers as insurance companies consider them less responsible behind the wheels. The average insurance cost for a teenager in Cullman, AL, is $4,747, whereas drivers between 30-50 pay less than $1,500. In Cullman, AL, car owners can get various discounts by comparing multiple age of the driver-based policies. These discounts include good student discounts, safe driver discounts, and defensive driving discounts.
Deductibles are one of the most common factors influencing the cost of auto insurance. Car owners in Cullman, AL, can get super cheap car insurance by considering this factor. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Cullman, AL, on a low deductible of $500 is $2,825, and this cost decreases to $2,386 when the deductible is $1,000.
In Cullman, AL, car owners can get super cheap car insurance by accounting for their credit scores. Auto insurance companies also provide considerable discounts to car owners with a higher positive credit score and a clean driving history. According to Zimlon’s analysis, in Cullman, AL, having an “excellent” credit score reduces insurance costs to $1,433, and with a “good” credit score, car owners spend $1,524. Whereas a “poor” score may increase the insurance cost to $2,386 in Cullman, AL.
Factors that can influence the cost of car insurance in Cullman, 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.
- Cullman, AL Auto Insurance Rates
- Cullman, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cullman, AL
- Multi Vehicle Insurance Savings in Cullman, AL
- How Credit Score Affects Car Insurance Rates in Cullman, AL
- How DUI Affects Auto Insurance Premiums in Cullman, AL
- How Driving Violations Affect Auto Insurance Rates in Cullman, AL
- Cullman, AL Auto Insurance Discounts on Anti Theft Feature
Cullman, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Cullman, AL with that of other cities in and around Cullman.
|Cullman||South Vinemont||Welti||Logan||Cullman County||Good Hope|
|Average Insurance Rates||$1,463||$1,440||$1,437||$1,477||$1,449||$1,416|
Cullman, 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 Cullman, 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)|
Cullman, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Cullman, 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|
Cullman, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Cullman, 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:$351
Savings on 3 Vehicles bundle:$527
Savings on 4 Vehicles bundle:$702
Cullman, 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 Cullman, AL.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Cullman, 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|
Cullman, 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||+$64||$1,527|
|Driver's Failure In Showing Documents||+$142||$1,605|
|Driving With An Expired Registration||+$151||$1,614|
|Driving At A Considerably Slow Pace||+$317||$1,780|
|Using A Cellphone While Driving||+$335||$1,798|
|Running A Red Light||+$341||$1,804|
|Driving A Vehicle Without The Required Permission||+$455||$1,918|
|Driving With An Expired/Suspended License||+$986||$2,449|
Cullman, 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||$1,404|
|Passive Disabling Device||$1,361|