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

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

Zimlon, through its research, found that car owners in Kimberly, 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 Kimberly, 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.

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

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

Kimberly Morris Gardendale County Line Trafford Smoke Rise
Average Insurance Rates $1,510 $1,512 $1,481 $1,208 $1,407 $1,497

Kimberly, 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 Kimberly, 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)
Kimberly $1,489 $1,258
Morris $1,581 $1,335
Kimberly-Morris $1,073 $907
Trafford $1,297 $1,095
County Line $1,244 $1,051
Gardendale $1,234 $1,042
Warrior $1,439 $1,215
Smoke Rise $1,545 $1,305

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

Teenagers in Kimberly, 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 $4,900
20 Years $1,940
30 Years $1,494
40 Years $1,438
50 Years $1,331
60 Years $1,350
70 Years $1,571

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

Car owners in Kimberly, 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 $2,597 $423
3 Vehicles $3,896 $634
4 Vehicles $5,194 $846

Savings on 2 Vehicles bundle:$423

Savings on 3 Vehicles bundle:$634

Savings on 4 Vehicles bundle:$846

Kimberly, 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 Kimberly, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Kimberly $1,510 $2,677
Morris $1,512 $2,681
Kimberly-Morris $1,490 $2,642
Trafford $1,407 $2,495
County Line $1,208 $2,142
Gardendale $1,481 $2,626
Warrior $1,447 $2,566
Smoke Rise $1,497 $2,654

Kimberly, 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) $1,296
Excellent (740-799) $1,479
Good (670-739) $1,573
Average (580-669) $2,053
Poor (300-579) $2,463

Kimberly, 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
Justin Gurley Farmers 717 Kerr Dr, Gardendale, 35071 (205) 631-8555
Scott Cantrell State Farm 313 Fieldstown Rd Ste 101, Gardendale, 35071-2796 205-631-6201
Cynthia Stuman Allstate 4308 Center Point Rd, Pinson, 35126 (205) 681-5672
Keith Devine Farmers 1140 Main St, Gardendale, 35071 (205) 608-4252
Ronnie Rivera State Farm 1270 Ctr Pt Pkwy Ste A, Birmingham, 35215-6300 205-854-9999
Galactic Insurance Services None 1025 23Rd St S Ste 201, Birmingham, 35205 None
Jonathan D Nix Nationwide 999 Mt Olive Rd Ste 100, Gardendale, 35071 (205) 631-4700
Joshua Dahlke Farmers 1420 Northbrook Dr Ste 203, Gardendale, 35071 (205) 317-2821
T K Smith State Farm 1500 Southlake Park Ste 100, Hoover, 35244-3369 205-987-9099

Kimberly, 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 +$66 $1,576
Driver's Failure In Showing Documents +$146 $1,656
Driving With An Expired Registration +$156 $1,666
Driving At A Considerably Slow Pace +$328 $1,838
Using A Cellphone While Driving +$346 $1,856
Running A Red Light +$352 $1,862
Speeding +$370 $1,880
Driving A Vehicle Without The Required Permission +$470 $1,980
Driving With An Expired/Suspended License +$1,018 $2,528

Kimberly, 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 $1,450
Active Disabling Device $1,450
Tracking Device $1,419
Passive Disabling Device $1,404