Cullman County, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Cullman County, 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.
Unraveling Car Insurance Rates in Cullman County, AL
Situated in North Alabama, Cullman County boasts a harmonious blend of rural landscapes and growing urban centers. For the county's ever-growing population, car insurance remains an essential consideration. This article endeavors to demystify the car insurance rates in Cullman County, shedding light on the primary industry players, breaking down the intricacies of quotes, rates, and agents, and pinpointing the myriad factors that steer the insurance rates in the county.
Key Competitors and Their Rates
- State Farm: A behemoth in the insurance sector, State Farm’s annual premiums in Cullman County typically range from $1,250 to $1,470.
- Geico: Recognized for its national footprint, Geico's rates in the county generally span between $1,220 and $1,400 annually.
- Progressive: Tailoring to a wide spectrum of needs, Progressive's yearly rates for Cullman County average between $1,260 and $1,480.
- Allstate: Offering a bouquet of insurance solutions, Allstate's yearly premiums in Cullman County revolve around $1,290 to $1,520.
Delving into Quotes, Rates & Agents
- Quotes: These personalized estimates offer a potential cost overview, dictated by variables such as driver's age, vehicle type, and prior driving record.
- Rates: Portraying a broader canvas, rates indicate the generalized cost of car insurance in regions like Cullman County, serving as a comparative guidepost.
- Agents: Straddling between insurance firms and prospective customers, agents bring clarity to policy minutiae, spotlight potential discounts, and design insurance plans tailored to individual needs.
The Factors Sculpting Insurance Rates in Cullman County, AL
- Demographics: Metrics like age, marital status, and gender play a pivotal role. Generally, youthful drivers might find themselves grappling with higher rates due to perceived risk.
- Driving Track Record: Clean records could usher in lucrative discounts, while a history peppered with infractions could drive rates northward.
- Vehicle Specifics: Factors such as the car's age, make, model, and in-built safety mechanisms play a cardinal role in rate determination.
- County-Specific Traits: Aspects intrinsic to Cullman County, from its prevalent traffic density, crime statistics, and road infrastructure, feed into the insurance rate calculus.
- Coverage Depth: An all-encompassing policy naturally demands a higher premium compared to its more basic counterparts.
- Deductible Choices: Picking a higher deductible can trim the annual premium but does entail greater upfront costs during claims.
- Discount Opportunities: By leveraging available discounts—be it through bundled policies or safe driving records—policyholders can often net considerable savings on premiums.
Car insurance in Cullman County, AL, is a mosaic of offerings from major insurers, enriched by the knowledge and expertise of local agents. By gaining a holistic understanding of the various elements at play and proactively comparing quotes, the residents of Cullman County can effectively maneuver through the insurance labyrinth, ensuring robust coverage as they traverse the county's scenic byways.
Factors that can influence the cost of car insurance in Cullman County, 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 County, AL Auto Insurance Rates
- Cullman County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cullman County, AL
- Multi Vehicle Insurance Savings in Cullman County, AL
- How Credit Score Affects Car Insurance Rates in Cullman County, AL
- How DUI Affects Auto Insurance Premiums in Cullman County, AL
- Top Auto Insurance Agents Near Cullman County, AL
- How Driving Violations Affect Auto Insurance Rates in Cullman County, AL
- Cullman County, AL Auto Insurance Discounts on Anti Theft Feature
Cullman County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Cullman County, AL with that of other cities in and around Cullman County.
| Cullman County | Good Hope | Cullman | Logan | Dodge City | Welti | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,449 | $1,416 | $1,463 | $1,477 | $1,449 | $1,437 |
Cullman County, 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 County, 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 County | $1,441 | $1,217 |
| Good Hope | $1,312 | $1,108 |
| Cullman | $2,825 | $2,386 |
| Logan | $2,038 | $1,722 |
| East Point | $1,217 | $1,028 |
| Dodge City | $1,721 | $1,454 |
| South Vinemont | $1,249 | $1,055 |
| Welti | $1,046 | $884 |
Cullman County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Cullman County, 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 | $4,702 |
| 20 Years | $1,862 |
| 30 Years | $1,434 |
| 40 Years | $1,380 |
| 50 Years | $1,278 |
| 60 Years | $1,295 |
| 70 Years | $1,508 |
Cullman County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Cullman County, 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 | $2,550 | $348 |
| 3 Vehicles | $3,825 | $522 |
| 4 Vehicles | $5,100 | $696 |
Savings on 2 Vehicles bundle:$348
Savings on 3 Vehicles bundle:$522
Savings on 4 Vehicles bundle:$696
Cullman County, 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 County, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Cullman County | $1,449 | $2,569 |
| Good Hope | $1,416 | $2,511 |
| Cullman | $1,463 | $2,594 |
| Logan | $1,477 | $2,619 |
| East Point | $1,391 | $2,466 |
| Dodge City | $1,449 | $2,569 |
| South Vinemont | $1,440 | $2,553 |
| Welti | $1,437 | $2,548 |
Cullman County, 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) | $1,243 |
| Excellent (740-799) | $1,419 |
| Good (670-739) | $1,510 |
| Average (580-669) | $1,970 |
| Poor (300-579) | $2,363 |
Cullman County, 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 |
|---|---|---|---|
| Gary Gibbs | Farmers | 220 4th Ave SE, Cullman, 35055 | (256) 737-9889 |
| Gerald Trevarthen | Farmers | 909a Graham St SW, Cullman, 35055 | (256) 297-2280 |
| Carl Jones | Farmers | 1112 2nd Ave SW Apt A, Cullman, 35055 | (256) 775-3607 |
| Kimberly Joyce Hale | Nationwide | 7434 AL Hwy 157, Cullman, 35057-6979 | (256) 739-2520 |
| Thomas Warhurst | Farmers | 2110 Al Highway 157, Cullman, 35058 | (256) 338-3701 |
| Mcgriff Seibels & Williams Inc | Allstate | 2211 7th Ave S, Birmingham, 35233 | (205) 252-9871 |
| Tom Mcalister Inc | Nationwide | 1111 U S Hwy 72 East, Athens, 35611 | (256) 232-7200 |
| Hayes-Rasbury Insurance Agency Inc | Nationwide | 1351 Decatur Hwy Ste 119, Fultondale, 35068 | (205) 386-4455 |
| Bill Webb | State Farm | 3322 Meml Pkwy SW Ste 106, Huntsville, 35801-5348 | 256-882-0390 |
Cullman County, 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 | $1,513 |
| Driver's Failure In Showing Documents | +$141 | $1,590 |
| Driving With An Expired Registration | +$149 | $1,598 |
| Driving At A Considerably Slow Pace | +$314 | $1,763 |
| Using A Cellphone While Driving | +$332 | $1,781 |
| Running A Red Light | +$338 | $1,787 |
| Speeding | +$355 | $1,804 |
| Driving A Vehicle Without The Required Permission | +$451 | $1,900 |
| Driving With An Expired/Suspended License | +$977 | $2,426 |
Cullman County, 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 | $1,391 |
| Active Disabling Device | $1,391 |
| Tracking Device | $1,362 |
| Passive Disabling Device | $1,348 |