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

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

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

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

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

Sheffield Oakland Colbert County Tri-Cities Underwood-Petersville Muscle Shoals
Average Insurance Rates $1,411 $1,465 $1,434 $1,447 $1,432 $1,468

Sheffield, 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 Sheffield, 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)
Sheffield $2,120 $1,790
Tuscumbia $2,156 $1,821
Tri-Cities $2,160 $1,824
Muscle Shoals $1,715 $1,449
Colbert County $1,583 $1,337
Oakland $1,713 $1,447
Underwood-Petersville $1,172 $990
Littleville $1,260 $1,064

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

Teenagers in Sheffield, 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 $4,578
20 Years $1,813
30 Years $1,396
40 Years $1,344
50 Years $1,244
60 Years $1,262
70 Years $1,468

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

Car owners in Sheffield, 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 $2,399 $423
3 Vehicles $3,598 $635
4 Vehicles $4,797 $847

Savings on 2 Vehicles bundle:$423

Savings on 3 Vehicles bundle:$635

Savings on 4 Vehicles bundle:$847

Sheffield, 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 Sheffield, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Sheffield $1,411 $2,502
Tuscumbia $1,433 $2,541
Tri-Cities $1,447 $2,566
Muscle Shoals $1,468 $2,603
Colbert County $1,434 $2,543
Oakland $1,465 $2,597
Underwood-Petersville $1,432 $2,539
Littleville $1,412 $2,504

Sheffield, 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) $1,211
Excellent (740-799) $1,382
Good (670-739) $1,470
Average (580-669) $1,918
Poor (300-579) $2,302

Sheffield, 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
Wendy Murphy Allstate 321 S Walnut St, Florence, 35630 (256) 765-2200
Rebecca Hovater State Farm 501 S Montgomery Ave Ste C, Sheffield, 35660-3861 256-383-1250
Bert Bretherick State Farm 204 Cox Creek Pkwy Ste B, Florence, 35630-1598 256-764-2241
Randall Larry Hester Allstate 1810 John R St, Muscle Shoals, 35661 (256) 386-7900
Jennifer Ricks Allstate 117 Highway 72 E Ste E, Tuscumbia, 35674 (256) 389-9911
Thomas Adams Allstate 406 N Nashville Ave, Sheffield, 35660 (256) 978-5733
Elliott & Associates Travelers 112 West 5Th Street, Tuscumbia, 35674 None
Tom Jones Insurance Travelers 106 N. Main St., Tuscumbia, 35674 None
Myron Gardner State Farm 1819 Darby Dr, Florence, 35630-2622 256-764-2234
Vincent Lindsey Allstate 964 Cox Creek Pkwy, Florence, 35633 (256) 712-5379
Hicks & Associates Inc Liberty Mutual Independent 2401 Helton Dr Ste B, Florence, 35630 (256) 712-3284
M J Carter & Company Inc Travelers 125 S COURT ST, FLORENCE, 35630 256-760-9999

Sheffield, 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 $1,473
Driver's Failure In Showing Documents +$137 $1,548
Driving With An Expired Registration +$145 $1,556
Driving At A Considerably Slow Pace +$306 $1,717
Using A Cellphone While Driving +$323 $1,734
Running A Red Light +$329 $1,740
Speeding +$346 $1,757
Driving A Vehicle Without The Required Permission +$439 $1,850
Driving With An Expired/Suspended License +$951 $2,362

Sheffield, 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 $1,355
Active Disabling Device $1,355
Tracking Device $1,326
Passive Disabling Device $1,312