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

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

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

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

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

Sipsey Bremen Crane Hill Manchester Dora Jasper
Average Insurance Rates $1,406 $1,480 $1,496 $1,416 $1,414 $1,441

Sipsey, 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 Sipsey, 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)
Sipsey $1,680 $1,419
Jasper $2,138 $1,806
Empire $1,912 $1,615
Manchester $1,263 $1,067
Dora $1,311 $1,108
Bremen $1,016 $858
Walker County $1,480 $1,250
Crane Hill $2,887 $2,439

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

Teenagers in Sipsey, 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 $4,562
20 Years $1,807
30 Years $1,391
40 Years $1,339
50 Years $1,240
60 Years $1,257
70 Years $1,463

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

Car owners in Sipsey, 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 $2,418 $394
3 Vehicles $3,627 $591
4 Vehicles $4,837 $787

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$787

Sipsey, 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 Sipsey, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Sipsey $1,406 $2,493
Jasper $1,441 $2,555
Empire $1,386 $2,457
Manchester $1,416 $2,511
Dora $1,414 $2,507
Bremen $1,480 $2,624
Walker County $1,411 $2,502
Crane Hill $1,496 $2,652

Sipsey, 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) $1,206
Excellent (740-799) $1,377
Good (670-739) $1,465
Average (580-669) $1,911
Poor (300-579) $2,293

Sipsey, 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
Anthony Christian State Farm 4505 Highway 78 E Ste 50, Jasper, 35501-8883 205-295-9600
Roger Wilson State Farm 1812a 4th Ave S, Jasper, 35501 205-384-9497
Byars-Wright Inc Travelers 1700 4TH AVE, JASPER, 35209 None
Leanne Dickinson State Farm 200 B Y Williams Sr Dr, Midfield, 35228-2221 205-923-7334
William Hart Farmers 2 Riverchase Office Plz Ste 214, Hoover, 35244 (205) 444-1111
David Hall Ins Agency Inc Nationwide 1310 HWY 78 E, Jasper, 35501 (205) 387-7749
Hra Risk Services None 3016 7Th Ave S, Birmingham, 35233 None
Rene Burke State Farm 4851 Cahaba River Rd Ste 117, Vestavia, 35243-2359 205-967-6886
Alabama Motorist Association Inc Travelers 2400 ACTON RD, BIRMINGHAM, 35243 205-444-8813

Sipsey, 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 $1,468
Driver's Failure In Showing Documents +$136 $1,542
Driving With An Expired Registration +$145 $1,551
Driving At A Considerably Slow Pace +$305 $1,711
Using A Cellphone While Driving +$322 $1,728
Running A Red Light +$328 $1,734
Speeding +$344 $1,750
Driving A Vehicle Without The Required Permission +$437 $1,843
Driving With An Expired/Suspended License +$948 $2,354

Sipsey, 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 $1,350
Active Disabling Device $1,350
Tracking Device $1,322
Passive Disabling Device $1,308