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

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

Zimlon, through its research, found that car owners in Empire, 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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Factors that can influence the cost of car insurance in Empire, 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.

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

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

Empire Colony Dora Bremen Sipsey Warrior
Average Insurance Rates $1,386 $1,412 $1,414 $1,480 $1,406 $1,447

Empire, 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 Empire, 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)
Empire $1,912 $1,615
Sumiton $1,053 $889
Dora $1,311 $1,108
Sipsey $1,680 $1,419
Robbins Crossroads $2,154 $1,819
Warrior $1,439 $1,215
Bremen $1,016 $858
Colony $1,350 $1,141

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

Teenagers in Empire, 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 $4,497
20 Years $1,781
30 Years $1,372
40 Years $1,320
50 Years $1,222
60 Years $1,239
70 Years $1,442

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

Car owners in Empire, 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 $2,412 $360
3 Vehicles $3,617 $541
4 Vehicles $4,823 $721

Savings on 2 Vehicles bundle:$360

Savings on 3 Vehicles bundle:$541

Savings on 4 Vehicles bundle:$721

Empire, 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 Empire, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Empire $1,386 $2,457
Sumiton $1,460 $2,589
Dora $1,414 $2,507
Sipsey $1,406 $2,493
Robbins Crossroads $1,441 $2,555
Warrior $1,447 $2,566
Bremen $1,480 $2,624
Colony $1,412 $2,504

Empire, 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) $1,189
Excellent (740-799) $1,357
Good (670-739) $1,444
Average (580-669) $1,884
Poor (300-579) $2,261

Empire, 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
Keith Devine Farmers 1140 Main St, Gardendale, 35071 (205) 608-4252
Charles Hill State Farm 1302 Highway 78 E, Jasper, 35501-3965 205-384-4900
Tommy Combs State Farm 2510 Highway 78, Dora, 35062-1000 205-648-6048
Jonathan D Nix Nationwide 999 Mt Olive Rd Ste 100, Gardendale, 35071 (205) 631-4700
Knight Insurance Agency Inc Liberty Mutual Independent 815 BRADLEY ST SW, DECATUR, 35601 256-350-8139
Joshua Dahlke Farmers 1420 Northbrook Dr Ste 203, Gardendale, 35071 (205) 317-2821
Isaac Ephraim Allstate 832 Green Springs Hwy Ste 101b, Birmingham, 35209 (205) 942-6280
Wayne Young State Farm 2614 Centron Drive SW, Decatur, 35603-2500 256-350-1032

Empire, 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 +$61 $1,447
Driver's Failure In Showing Documents +$134 $1,520
Driving With An Expired Registration +$143 $1,529
Driving At A Considerably Slow Pace +$301 $1,687
Using A Cellphone While Driving +$317 $1,703
Running A Red Light +$323 $1,709
Speeding +$340 $1,726
Driving A Vehicle Without The Required Permission +$431 $1,817
Driving With An Expired/Suspended License +$934 $2,320

Empire, 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 $1,331
Active Disabling Device $1,331
Tracking Device $1,303
Passive Disabling Device $1,289