Vestavia Hills Auto Insurance Rates, Quotes, Agents & Reviews in AL

Vestavia Hills, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Vestavia Hills, 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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Auto Insurance Rates in Vestavia Hills, AL

The average cost of car insurance in Vestavia Hills is $1448 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.

The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.

Based on deductibles

To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Vestavia Hills can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research.Vestavia car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Vestavia Hills this difference is  $1263 and $1067 respectively.

Auto Insurance Cost in Vestavia Hills Based on deductibles in nearby cities

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Multi Car Insurance Rates

Vestavia Hills  car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Vestavia car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Vestavia , insurance companies provide $434 and $652 off on 2 vehicles bundle and 3 vehicles bundle respectively. One can save $869 on auto insurance by bundling 4 vehicles in Vestavia Hills.

Based on the credit score

In most of the states credit score is a major rating factor. Car owners  with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Vestavia Hills car owners with a good credit score pay only $1242 for insurance whereas those who are low on the totem pole may end up paying considerably more at 2362.

Based on age of the car owner 

Teenagers and young residents of Vestavia Hills   pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver is $4699  while 30-50 year olds can expect to find cheaper rates at less than 41433-$1277 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.

Factors that can influence the cost of car insurance in Vestavia Hills, 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.


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

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

Vestavia Hills Mountain Brook Highland Lakes Birmingham Irondale Brook Highland
Average Insurance Rates $1,448 $1,953 $1,797 $1,448 $1,458 $1,694

Vestavia Hills, 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 Vestavia Hills, 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)
Vestavia Hills $1,263 $1,067
Mountain Brook $1,986 $1,677
Brook Highland $1,908 $1,611
Homewood $1,182 $999
Meadowbrook $1,636 $1,382
Birmingham $1,215 $1,027
Highland Lakes $1,348 $1,139
Irondale $1,448 $1,223

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

Teenagers in Vestavia Hills, 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 $4,699
20 Years $1,861
30 Years $1,433
40 Years $1,379
50 Years $1,277
60 Years $1,295
70 Years $1,507

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

Car owners in Vestavia Hills, 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 $2,462 $434
3 Vehicles $3,692 $652
4 Vehicles $4,923 $869

Savings on 2 Vehicles bundle:$434

Savings on 3 Vehicles bundle:$652

Savings on 4 Vehicles bundle:$869


Vestavia Hills, 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 Vestavia Hills, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Vestavia Hills $1,448 $2,567
Mountain Brook $1,953 $3,463
Brook Highland $1,694 $3,003
Homewood $1,667 $2,956
Meadowbrook $1,627 $2,885
Birmingham $1,448 $2,567
Highland Lakes $1,797 $3,186
Irondale $1,458 $2,585

Vestavia Hills, 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) $1,242
Excellent (740-799) $1,418
Good (670-739) $1,509
Average (580-669) $1,968
Poor (300-579) $2,362

Vestavia Hills, 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
Casey Halsey State Farm 507 Brookwood Blvd, Homewood, 35209-6801 205-445-0445
Mikos Kampakis Insurance Services Travelers 421 Emery Drive Suite 101 Birmingham, Hoover, 35244 (205) 403-5218
J R Prewitt & Associates Inc Liberty Mutual Independent 2146 HIGHLAND AVE SO, BIRMINGHAM, 35205 205-933-9207
Harry Sokol Allstate 3928 Montclair Rd Ste 217, Mountain Brk, 35213 (205) 602-9326
[ M i, c, a e
Clark Assocs Inc None 2229 Rocky Ridge Rd Birmingham, Vestavia Hills, 35216 None
Auvalo Mason Farmers 4256 Cahaba Heights Ct, Vestavia, 35243 (205) 490-6000
Ron Foster State Farm 2048 Montreat Dr, Vestavia, 35216-4002 205-823-7380
Jimmy Stewart State Farm 270 Olde Towne Rd, Vestavia, 35216-3757 205-823-6441

Vestavia Hills, 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 +$64 $1,512
Driver's Failure In Showing Documents +$140 $1,588
Driving With An Expired Registration +$149 $1,597
Driving At A Considerably Slow Pace +$314 $1,762
Using A Cellphone While Driving +$332 $1,780
Running A Red Light +$337 $1,785
Speeding +$355 $1,803
Driving A Vehicle Without The Required Permission +$450 $1,898
Driving With An Expired/Suspended License +$976 $2,424

Vestavia Hills, 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 $1,390
Active Disabling Device $1,390
Tracking Device $1,361
Passive Disabling Device $1,347

Latest Auto Insurance Reviews in Vestavia Hills, AL | Back to Top

Progressive
Not only does Progressive offer the most affordable auto insurance,they are willing to work with me to reduce my bill if I call them and make a case that it is too expensive.
State Farm
I would recommend my car insurance company to my friends and family members. I've never had a bad experience and have been with them for 5 years.
Liberty Mutual
Everytime I call they are professional and nice and assist everyway they can. Sometimes they have long waight times but not usally.