Valley Head Auto Insurance Rates, Quotes, Agents & Reviews in AL

Valley Head, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Valley Head, 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.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Valley Head, 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.


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

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

Valley Head Mentone Rainsville-Sylvania Hammondville Valley Head-Mentone Sylvania
Average Insurance Rates $1,427 $1,527 $1,437 $1,457 $1,474 $1,426

Valley Head, 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 Valley Head, 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)
Valley Head $1,370 $1,157
Hammondville $1,708 $1,442
Mentone $1,099 $928
Valley Head-Mentone $1,217 $1,028
Henagar $1,569 $1,325
Menlo $1,532 $1,294
Sylvania $1,691 $1,429
Rainsville-Sylvania $1,634 $1,380

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

Teenagers in Valley Head, 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 $4,630
20 Years $1,834
30 Years $1,412
40 Years $1,359
50 Years $1,258
60 Years $1,276
70 Years $1,485

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

Car owners in Valley Head, 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 $2,512 $342
3 Vehicles $3,767 $514
4 Vehicles $5,023 $685

Savings on 2 Vehicles bundle:$342

Savings on 3 Vehicles bundle:$514

Savings on 4 Vehicles bundle:$685


Valley Head, 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 Valley Head, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Valley Head $1,427 $2,530
Hammondville $1,457 $2,583
Mentone $1,527 $2,707
Valley Head-Mentone $1,474 $2,613
Henagar $1,395 $2,473
Menlo $1,555 $2,843
Sylvania $1,426 $2,528
Rainsville-Sylvania $1,437 $2,548

Valley Head, 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) $1,224
Excellent (740-799) $1,398
Good (670-739) $1,487
Average (580-669) $1,940
Poor (300-579) $2,328

Valley Head, 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
Mark Mitchell State Farm 17174 Al Highway 75, Henagar, 35978-5662 256-657-6252
Barry Adams Farmers 111 3rd St SE, Fort Payne, 35967 (256) 844-4966
Pat Dunne Jr State Farm 312 Grand Ave SW, Fort Payne, 35967-1828 256-845-9292
Insurance World Travelers 1500A GAULT AVE N, FORT PAYNE, 35967 256-845-6318
Lynn Holifield State Farm 1528 Gunter Avenue, Guntersville, 35976-0130 256-582-4476
Billy Kemp Allstate 2612b Gault Ave N, Fort Payne, 35967 (256) 845-3971

Valley Head, 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 +$63 $1,490
Driver's Failure In Showing Documents +$138 $1,565
Driving With An Expired Registration +$147 $1,574
Driving At A Considerably Slow Pace +$310 $1,737
Using A Cellphone While Driving +$327 $1,754
Running A Red Light +$332 $1,759
Speeding +$350 $1,777
Driving A Vehicle Without The Required Permission +$444 $1,871
Driving With An Expired/Suspended License +$962 $2,389

Valley Head, 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 $1,370
Active Disabling Device $1,370
Tracking Device $1,341
Passive Disabling Device $1,327