Homewood, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Homewood, 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.
Auto Insurance Savings Up to $500 in Homewood, AL
The average cost of car insurance in Homewood, AL, is $1,667. This cost is higher than nearby locations like Lipscomb, Birmingham, Midfield, and Hoover but lower than other neighboring areas like Mountain Brook. Zimlon, through its research, found that car owners in Homewood, AL, can get multiple discounts on car insurance by considering various factors like location, age of the driver, and credit scores. Below is a list by Zimlon highlighting such factors and multiple discounts for car owners in Homewood, AL.
Multi-Car Insurance:
Car owners in Homewood, AL, can obtain discounts if they insure multiple vehicles with the same insurer. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. The average savings one can obtain in Homewood, AL, are as follows:
Age of the Driver:
Car owners in Homewood, AL, can get various discounts by comparing multiple policies offered by different insurance companies. According to Zimlon’s analysis, teenagers in Homewood, AL, pay more car insurance costs than older drivers. The average cost of car insurance for a teenager in Homewood, AL, is $5,409, and for a 20-year old driver, it reduces to $2,142. Whereas the car insurance cost for drivers between the age of 30-50 years is less than $1,700 in Homewood, AL.
Anti-Theft Features:
Cars equipped with safety devices are less prone to thefts; therefore, auto insurance companies in Homewood, AL, provide a considerable amount of discounts to vigilant car owners. The discounts can depend on the type and number of safety devices installed. According to Zimlon’s research, car owners in Homewood, AL, can get car insurance for $1,600 by installing safety devices like an audible alarm and an active disabling device. Installing additional anti-theft features like tracking devices and passive disabling devices can further reduce the cost of car insurance to $1,567 and $1,550, respectively.
Credit Scores:
Several auto insurance companies in Homewood, AL, provide considerable discounts to car owners that have a higher positive credit score and a clean driving history. Zimlon’s research found that car owners with a “good” credit score of 670-739 pay $1,737, whereas a “poor” credit score of 300-579 cost of car insurance in Homewood, AL, can get as high as $2,719.
Deductibles:
This is one of the most common factors influencing the cost of car insurance in Homewood, AL. 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 Homewood, AL, on a deductible of $500 is $1,182. This cost will decrease to $999 when the deductible is $1,000.
Factors that can influence the cost of car insurance in Homewood, 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.
- Homewood, AL Auto Insurance Rates
- Homewood, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Homewood, AL
- Multi Vehicle Insurance Savings in Homewood, AL
- How Credit Score Affects Car Insurance Rates in Homewood, AL
- How DUI Affects Auto Insurance Premiums in Homewood, AL
- Top Auto Insurance Agents Near Homewood, AL
- How Driving Violations Affect Auto Insurance Rates in Homewood, AL
- Homewood, AL Auto Insurance Discounts on Anti Theft Feature
Homewood, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Homewood, AL with that of other cities in and around Homewood.
| Homewood | Lipscomb | Birmingham | Midfield | Mountain Brook | Hoover | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,667 | $1,373 | $1,448 | $1,401 | $1,953 | $1,342 |
Homewood, 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 Homewood, 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) |
|---|---|---|
| Homewood | $1,182 | $999 |
| Birmingham | $1,215 | $1,027 |
| Vestavia Hills | $1,263 | $1,067 |
| Mountain Brook | $1,986 | $1,677 |
| Hoover | $1,861 | $1,572 |
| Fairfield | $1,163 | $982 |
| Midfield | $1,430 | $1,208 |
| Lipscomb | $1,414 | $1,195 |
Homewood, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Homewood, 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 | $5,409 |
| 20 Years | $2,142 |
| 30 Years | $1,650 |
| 40 Years | $1,587 |
| 50 Years | $1,470 |
| 60 Years | $1,490 |
| 70 Years | $1,735 |
Homewood, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Homewood, 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 | $2,834 | $500 |
| 3 Vehicles | $4,251 | $750 |
| 4 Vehicles | $5,668 | $1,000 |
Savings on 2 Vehicles bundle:$500
Savings on 3 Vehicles bundle:$750
Savings on 4 Vehicles bundle:$1,000
Homewood, 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 Homewood, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Homewood | $1,667 | $2,956 |
| Birmingham | $1,448 | $2,567 |
| Vestavia Hills | $1,448 | $2,567 |
| Mountain Brook | $1,953 | $3,463 |
| Hoover | $1,342 | $2,379 |
| Fairfield | $1,420 | $2,518 |
| Midfield | $1,401 | $2,484 |
| Lipscomb | $1,373 | $2,434 |
Homewood, 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) | $1,430 |
| Excellent (740-799) | $1,633 |
| Good (670-739) | $1,737 |
| Average (580-669) | $2,266 |
| Poor (300-579) | $2,719 |
Homewood, 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 |
|---|---|---|---|
| Robert E Langston & Associates Insurance Inc | Nationwide | 4525 Valleydale Rd, Birmingham, 35242-4605 | (205) 991-2484 |
| Ken Caldwell Insurance Agency Inc. | Nationwide | 3926 Lorna Rd, Birmingham, 35244-1004 | (205) 733-0444 |
| John Patterson | State Farm | 1807 11th Ave S, Birmingham, 35205-4807 | 205-933-5200 |
| Anchor Insurance Agency | Travelers | 414 LORNA SQ, HOOVER, 35216 | 205-823-7707 |
| Robyn Thomas | Allstate | 47 Park Rd Ste 1, Pleasant Grove, 35127 | (205) 744-4160 |
| Bates-Roberts-Fowlkes & Jackson Insurance | Travelers | 1812 6TH AVE SOUTH, IRONDALE, 35210 | 205-956-0563 |
| J.H. Berry Risk Services Llc | None | 2919 John Hawkins Pkwy Birmingham, Hoover, 35244 | None |
| Ea-Anchor Insurance Agency | Travelers | 414 LORNA SQ, HOOVER, 35216 | 205-823-7707 |
| Roger L. Watts | Nationwide | 4000 Meadow Lake Dr Suite 119, Birmingham, 35242-5427 | (205) 991-2636 |
| Jay Friedman | Farmers | 2106 Devereux Cir Ste 200, Vestavia, 35243 | (205) 834-8403 |
| Jalona Patton | Allstate | 17 Office Park Cir Ste 3, Mountain Brk, 35223 | (205) 870-7117 |
Homewood, 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 | +$73 | $1,740 |
| Driver's Failure In Showing Documents | +$162 | $1,829 |
| Driving With An Expired Registration | +$172 | $1,839 |
| Driving At A Considerably Slow Pace | +$362 | $2,029 |
| Using A Cellphone While Driving | +$382 | $2,049 |
| Running A Red Light | +$388 | $2,055 |
| Speeding | +$408 | $2,075 |
| Driving A Vehicle Without The Required Permission | +$518 | $2,185 |
| Driving With An Expired/Suspended License | +$1,124 | $2,791 |
Homewood, 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 | $1,600 |
| Active Disabling Device | $1,600 |
| Tracking Device | $1,567 |
| Passive Disabling Device | $1,550 |