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

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

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

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

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

Oakman Quinton-Wegra West Jefferson Parrish Townley Cordova
Average Insurance Rates $1,400 $1,391 $1,415 $1,388 $1,405 $1,395

Oakman, 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 Oakman, 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)
Oakman $1,676 $1,415
Parrish $1,417 $1,197
Walker County $1,480 $1,250
Cordova $2,101 $1,775
Townley $1,581 $1,335
Quinton-Wegra $1,244 $1,051
Jasper $2,138 $1,806
West Jefferson $1,440 $1,216

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

Teenagers in Oakman, 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 $4,543
20 Years $1,799
30 Years $1,386
40 Years $1,333
50 Years $1,234
60 Years $1,252
70 Years $1,457

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

Car owners in Oakman, 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 $336
3 Vehicles $3,696 $504
4 Vehicles $4,928 $672

Savings on 2 Vehicles bundle:$336

Savings on 3 Vehicles bundle:$504

Savings on 4 Vehicles bundle:$672

Oakman, 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 Oakman, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Oakman $1,400 $2,482
Parrish $1,388 $2,461
Walker County $1,411 $2,502
Cordova $1,395 $2,473
Townley $1,405 $2,491
Quinton-Wegra $1,391 $2,466
Jasper $1,441 $2,555
West Jefferson $1,415 $2,509

Oakman, 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) $1,201
Excellent (740-799) $1,371
Good (670-739) $1,459
Average (580-669) $1,903
Poor (300-579) $2,284

Oakman, 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
Charles Hill State Farm 1302 Highway 78 E, Jasper, 35501-3965 205-384-4900
Stephen Redmill Farmers 815 Airport Rd S, Jasper, 35501 (205) 221-2404
Trustway Travelers 1837 MONTGOMERY HIGHWAY SOUTH SUITE 105, HOOVER, 35244 205-451-1945
Breck Price Allstate 470 Riverhills Business Park, Birmingham, 35242 (205) 991-5106
Lacy Grice Insurance Agency Liberty Mutual Independent 1917 3RD AVENUE, JASPER, 35501 205-221-2620
Fred Hughes Ins Agency Inc Travelers 1945 HOOVER COURT STE 113, HOOVER, 35226 205-822-6778
Nesbitt & Associates Inc Travelers 1008 MONTGOMERY HWY STE 104, BIRMINGHAM, 35216 205-822-2063
Ken Taylor State Farm 160 Inverness Cors, Birmingham, 35242-3760 205-980-8889

Oakman, 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 $1,462
Driver's Failure In Showing Documents +$136 $1,536
Driving With An Expired Registration +$144 $1,544
Driving At A Considerably Slow Pace +$304 $1,704
Using A Cellphone While Driving +$321 $1,721
Running A Red Light +$326 $1,726
Speeding +$343 $1,743
Driving A Vehicle Without The Required Permission +$435 $1,835
Driving With An Expired/Suspended License +$944 $2,344

Oakman, 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 $1,344
Active Disabling Device $1,344
Tracking Device $1,316
Passive Disabling Device $1,302