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

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

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

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

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

Manchester Townley Arley Jasper Double Springs Sipsey
Average Insurance Rates $1,416 $1,405 $1,425 $1,441 $1,389 $1,406

Manchester, 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 Manchester, 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)
Manchester $1,263 $1,067
Jasper $2,138 $1,806
Sipsey $1,680 $1,419
Nauvoo $1,902 $1,607
Townley $1,581 $1,335
Walker County $1,480 $1,250
Arley $1,269 $1,072
Double Springs $1,600 $1,351

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

Teenagers in Manchester, 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 $4,595
20 Years $1,819
30 Years $1,401
40 Years $1,348
50 Years $1,249
60 Years $1,266
70 Years $1,474

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

Car owners in Manchester, 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 $2,464 $368
3 Vehicles $3,696 $552
4 Vehicles $4,928 $736

Savings on 2 Vehicles bundle:$368

Savings on 3 Vehicles bundle:$552

Savings on 4 Vehicles bundle:$736

Manchester, 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 Manchester, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Manchester $1,416 $2,511
Jasper $1,441 $2,555
Sipsey $1,406 $2,493
Nauvoo $1,398 $2,479
Townley $1,405 $2,491
Walker County $1,411 $2,502
Arley $1,425 $2,527
Double Springs $1,389 $2,463

Manchester, 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) $1,215
Excellent (740-799) $1,387
Good (670-739) $1,475
Average (580-669) $1,925
Poor (300-579) $2,310

Manchester, 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
Lacy Grice Insurance Agency Liberty Mutual Independent 1917 3Rd Avenue, Jasper, 35501 (205) 282-4637
Jimmy Franks State Farm 315 Highway 195, Jasper, 35503-6569 205-221-7060
Robbie Barnes State Farm 1801 Somerville Rd SE, Decatur, 35601-5015 256-280-3680
Stan Faulkner State Farm 1747 Oxmoor Rd, Homewood, 35209-4048 205-870-8400
Zachary Wilson Farmers 1100 E Park Dr Ste 205, Birmingham, 35235 (205) 518-0536
David Hall Ins Agency Inc Nationwide 1310 HWY 78 E, Jasper, 35501 (205) 387-7749
Patrick Johnson State Farm 2704 Highway 31 S Ste B, Decatur, 35603-1546 256-353-0000
Jimmy Stewart State Farm 270 Olde Towne Rd, Vestavia, 35216-3757 205-823-6441
Pat Donalson Clu Chfc Nationwide 1729 S Lakeshore Dr, Birmingham, 35216-1621 (205) 942-7543

Manchester, 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 +$62 $1,478
Driver's Failure In Showing Documents +$137 $1,553
Driving With An Expired Registration +$146 $1,562
Driving At A Considerably Slow Pace +$307 $1,723
Using A Cellphone While Driving +$324 $1,740
Running A Red Light +$330 $1,746
Speeding +$347 $1,763
Driving A Vehicle Without The Required Permission +$440 $1,856
Driving With An Expired/Suspended License +$954 $2,370

Manchester, 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 $1,359
Active Disabling Device $1,359
Tracking Device $1,331
Passive Disabling Device $1,317