Cullifer & Associates Insurance
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Cullifer & Associates is your dedicated insurance agency, serving the Metro Birmingham area. As your local source for insurance services and solutions, our entire staff prides itself on offering personalized and responsive customer support to our customers throughout the Metro Birmingham area. At Cullifer & Associates, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

Our experienced staff members can outfit you with tailored solutions for your auto, home, and business insurance requirements and personalize each insurance product to your specific individual needs while providing competitive rates for our valued clients. The Cullifer & Associates Team is committed to providing clients with the highest quality insurance plans available combined with some of the lowest rates available in all of Alabama.

Whether you're shopping for auto insurance, home insurance or business insurance, we can help get you the best coverage available with the lowest rate possible.
Services
Cullifer & Associates is an independent insurance agency, founded in 1984.
Cullifer & Associates is located in Birmingham, Alabama and serves central Alabama with a focus on the Birmingham-metro area, including Hoover, Vestavia Hills, Mountain Brook, Homewood and the counties of Tuscaloosa, Bibb, Jefferson, Shelby, St. Clair, Walker, and Cullman.
The mission of our agency is to provide the insurance protection our clients need by offering quality products, excellent service, and guaranteed value.
At Cullifer & Associates, we know accidents and catastrophes are traumatic enough.
That is why we take great care in making the claims process as simple and hassle-free as possible.
After all, we're dedicated to providing our clients quality insurance policies and superior customer service.
To report a claim during business hours, please call our agency at (205) 979-6453 as soon as possible.
We will direct you concerning the next steps in the claims process.
Should you need to begin the claims process outside of normal business hours, please contact your insurance carrier directly, then contact us as soon as possible.
Actual Cash Value An amount equivalent to the fair market value of the stolen or damaged property immediately preceding the loss.
For real property, this amount can be based on a determination of the fair market value of the property before and after the loss.
For vehicles, this amount can be determined by local area private party sales and dealer quotations for comparable vehicles.
Agent A licensed person or organization authorized to sell insurance by or on behalf of an insurance company.
Aircraft Insurance Coverage for the insured in the event that the insured's negligent acts and/or omissions result in losses in connection with the use, ownership, or maintenance of aircraft.
We are an Independent Insurance Agency.
We do not work for an insurance company; we work for you.
The following is a select group of insurance companies we represent.
Our experienced and trusted carriers offer an abundance of quality insurance policies spanning auto, home, life, health and commercial coverage through our vast network of top providers.
The agents at Cullifer & Associates took their time with us, explaining all our options and making sure we understood what we needed to protect our investment.
We now have our home and cars insured with them.
Without their guidance, we would have been lost! ' - Greg and Ashley Gremillion.
They handle our Worker's Compensation, General Liability, Commercial Umbrella, and all our bonds.
We appreciate the advice and heads-up they give us each year.
They have always responded to our needs promptly (often while we waited for bonds or certificates of insurance in cities throughout the state and southeast).
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