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

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

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


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

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

Westover Highland Lakes Sterrett Vincent Chelsea Harpersville
Average Insurance Rates $1,513 $1,797 $1,402 $1,432 $1,440 $1,457

Westover, 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 Westover, 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)
Westover $1,582 $1,336
Chelsea $1,212 $1,024
Vincent $1,172 $990
Vandiver $2,163 $1,827
Shoal Creek $2,419 $2,044
Sterrett $1,176 $994
Highland Lakes $1,348 $1,139
Harpersville $1,626 $1,374

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

Teenagers in Westover, 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 $4,909
20 Years $1,944
30 Years $1,497
40 Years $1,441
50 Years $1,334
60 Years $1,353
70 Years $1,575

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

Car owners in Westover, 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 $2,572 $454
3 Vehicles $3,858 $681
4 Vehicles $5,144 $908

Savings on 2 Vehicles bundle:$454

Savings on 3 Vehicles bundle:$681

Savings on 4 Vehicles bundle:$908


Westover, 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 Westover, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Westover $1,513 $2,683
Chelsea $1,440 $2,553
Vincent $1,432 $2,539
Vandiver $2,100 $3,723
Shoal Creek $1,783 $3,161
Sterrett $1,402 $2,486
Highland Lakes $1,797 $3,186
Harpersville $1,457 $2,583

Westover, 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) $1,298
Excellent (740-799) $1,482
Good (670-739) $1,577
Average (580-669) $2,057
Poor (300-579) $2,468

Westover, 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
Joseph Buff Farmers 2236 Cahaba Valley Dr Ste 207, Birmingham, 35242 (205) 701-4924
Jodie Scofield Liberty Mutual 100 Corporate Parkway Suite 225, Birmingham, 35242 1-205-995-9883
Lynn Swink Liberty Mutual 100 Corporate Parkway Suite 225, Birmingham, 35242 1-205-995-9883
Chester Lewis State Farm 16641 Highway 280 Ste 300, Chelsea, 35043-8354 205-678-0200
Scott Weygand Farmers 398 Chesser Dr Ste 1, Chelsea, 35043 (205) 678-4711
Brent Flavin State Farm 7350 Cahaba Vly Rd Ste 102, Birmingham, 35242-6318 205-408-0448
Nesbitt & Associates Inc Travelers 1008 MONTGOMERY HWY STE 104, BIRMINGHAM, 35216 205-822-2063
Max Blalock Clu Chfc Nationwide 244 Inverness Center Dr Unit 102, Birmingham, 35242 (205) 981-2424
Shannon R Hartsfield Liberty Mutual 100 Corporate Parkway Suite 225, Birmingham, 35242 1-205-995-9883

Westover, 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 +$67 $1,580
Driver's Failure In Showing Documents +$147 $1,660
Driving With An Expired Registration +$156 $1,669
Driving At A Considerably Slow Pace +$328 $1,841
Using A Cellphone While Driving +$346 $1,859
Running A Red Light +$353 $1,866
Speeding +$371 $1,884
Driving A Vehicle Without The Required Permission +$471 $1,984
Driving With An Expired/Suspended License +$1,020 $2,533

Westover, 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 $1,452
Active Disabling Device $1,452
Tracking Device $1,422
Passive Disabling Device $1,407