Windham Springs Auto Insurance Rates, Quotes, Agents & Reviews in AL

Windham Springs, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Windham Springs, 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 Windham Springs, 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.


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

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

Windham Springs Samantha Brookwood Northport Oakman Berry
Average Insurance Rates $1,531 $1,472 $1,431 $1,497 $1,400 $1,384

Windham Springs, 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 Windham Springs, 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)
Windham Springs $960 $811
Tuscaloosa County $1,225 $1,034
Samantha $1,681 $1,420
Brookwood $1,374 $1,161
Northport $1,730 $1,462
Holt $1,913 $1,616
Berry $1,330 $1,123
Oakman $1,676 $1,415

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

Teenagers in Windham Springs, 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 $4,968
20 Years $1,967
30 Years $1,515
40 Years $1,458
50 Years $1,350
60 Years $1,369
70 Years $1,593

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

Car owners in Windham Springs, 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 $2,603 $459
3 Vehicles $3,904 $689
4 Vehicles $5,205 $919

Savings on 2 Vehicles bundle:$459

Savings on 3 Vehicles bundle:$689

Savings on 4 Vehicles bundle:$919


Windham Springs, 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 Windham Springs, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Windham Springs $1,531 $2,714
Tuscaloosa County $1,323 $2,346
Samantha $1,472 $2,610
Brookwood $1,431 $2,537
Northport $1,497 $2,654
Holt $1,387 $2,459
Berry $1,384 $2,454
Oakman $1,400 $2,482

Windham Springs, 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) $1,314
Excellent (740-799) $1,499
Good (670-739) $1,595
Average (580-669) $2,081
Poor (300-579) $2,497

Windham Springs, 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
Fitts Agency Inc Liberty Mutual Independent 1806 6Th St, Tuscaloosa, 35401 None
Charlotte Bowers Allstate 1520 McFarland Blvd N Ste D, Tuscaloosa, 35406 (205) 344-5320
Michael Mcguire State Farm 302 Merchants Walk Ste 200, Tuscaloosa, 35406-2291 205-752-8500
John Henley State Farm 2118 Columbiana Rd, Vestavia, 35216-2504 205-823-1343
Robert E Langston & Associates Insurance Inc Nationwide 4525 Valleydale Rd, Birmingham, 35242-4605 (205) 991-2484
Ronald Woods Allstate 2100 Data Park Ste 208, Hoover, 35244 (205) 988-5566
Pritchett-Moore Inc Liberty Mutual Independent 1120 Queen City Ave, TUSCALOOSA, 35401 (205) 758-4441
Scott Weygand Farmers 398 Chesser Dr Ste 1, Chelsea, 35043 (205) 678-4711
Edgewood Partners Insurance Center Liberty Mutual Independent 420 20TH ST N STE 2200, BIRMINGHAM, 35203 (205) 379-1071
Trammel Harper & Williams Inc None P O Box 36579 Birmingham, Hoover, 35236 None
Lambert Agency Inc Nationwide 3232 Cahaba Heights Rd, Birmingham, 35243-1614 (205) 871-9101

Windham Springs, 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 $1,598
Driver's Failure In Showing Documents +$149 $1,680
Driving With An Expired Registration +$158 $1,689
Driving At A Considerably Slow Pace +$332 $1,863
Using A Cellphone While Driving +$351 $1,882
Running A Red Light +$357 $1,888
Speeding +$375 $1,906
Driving A Vehicle Without The Required Permission +$476 $2,007
Driving With An Expired/Suspended License +$1,032 $2,563

Windham Springs, 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 $1,470
Active Disabling Device $1,470
Tracking Device $1,439
Passive Disabling Device $1,424