Smoke Rise Auto Insurance Rates, Quotes, Agents & Reviews in AL

Smoke Rise, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Smoke Rise, 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 Smoke Rise, 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.


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

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

Smoke Rise Kimberly Hayden Warrior Kimberly-Morris Trafford
Average Insurance Rates $1,497 $1,510 $1,466 $1,447 $1,490 $1,407

Smoke Rise, 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 Smoke Rise, 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)
Smoke Rise $1,545 $1,305
Hayden $1,510 $1,275
Warrior $1,439 $1,215
Colony $1,350 $1,141
Trafford $1,297 $1,095
County Line $1,244 $1,051
Kimberly $1,489 $1,258
Kimberly-Morris $1,073 $907

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

Teenagers in Smoke Rise, 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 $4,858
20 Years $1,923
30 Years $1,482
40 Years $1,425
50 Years $1,320
60 Years $1,338
70 Years $1,558

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

Car owners in Smoke Rise, 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 $2,635 $359
3 Vehicles $3,952 $539
4 Vehicles $5,269 $719

Savings on 2 Vehicles bundle:$359

Savings on 3 Vehicles bundle:$539

Savings on 4 Vehicles bundle:$719


Smoke Rise, 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 Smoke Rise, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Smoke Rise $1,497 $2,654
Hayden $1,466 $2,599
Warrior $1,447 $2,566
Colony $1,412 $2,504
Trafford $1,407 $2,495
County Line $1,208 $2,142
Kimberly $1,510 $2,677
Kimberly-Morris $1,490 $2,642

Smoke Rise, 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) $1,284
Excellent (740-799) $1,466
Good (670-739) $1,560
Average (580-669) $2,035
Poor (300-579) $2,442

Smoke Rise, 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
Hobie Hobart State Farm 1311 Decatur Hwy Ste A, Fultondale, 35068-1737 205-841-7485
Denton Scott Allstate 1300 Center Point Pkwy, Birmingham, 35215 (205) 451-1052
Ronnie Rivera State Farm 1270 Ctr Pt Pkwy Ste A, Birmingham, 35215-6300 205-854-9999
Jonathan D Nix Nationwide 999 Mt Olive Rd Ste 100, Gardendale, 35071 (205) 631-4700
Stewart Lee State Farm 516 Main Street North, Warrior, 35180 205-647-0565
Eric Stuman Allstate 3430 Independence Dr Ste 100, Homewood, 35209 (205) 877-8696
Antonette Lipscomb State Farm 453 Green Springs Hwy, Homewood, 35209-4921 205-942-0495
Briggs Insurance Agency Inc Liberty Mutual Independent 5245 OLD SPRINGVILLE RD, PINSON, 35126 (205) 853-8303
Stough & Associates Travelers 101 14TH ST SW, DECATUR, 35601 256-340-1905

Smoke Rise, 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 $1,563
Driver's Failure In Showing Documents +$145 $1,642
Driving With An Expired Registration +$154 $1,651
Driving At A Considerably Slow Pace +$325 $1,822
Using A Cellphone While Driving +$343 $1,840
Running A Red Light +$349 $1,846
Speeding +$367 $1,864
Driving A Vehicle Without The Required Permission +$466 $1,963
Driving With An Expired/Suspended License +$1,009 $2,506

Smoke Rise, 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 $1,437
Active Disabling Device $1,437
Tracking Device $1,407
Passive Disabling Device $1,392