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

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.

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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 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