Cullman County Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 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