Abbeville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Abbeville, 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.
Deciphering Car Insurance Rates in Abbeville, AL
The complex world of car insurance rates can seem a daunting labyrinth to many consumers. In Abbeville, Alabama, the diversity of options available can further intensify this complexity. This article aims to simplify and decipher the intricacies of car insurance rates in Abbeville, providing valuable information about quotes, rates, agents, and the leading competitors in the industry.
Top Competitors and their Rates
In Abbeville, Alabama, the car insurance market is mainly dominated by three leading providers: State Farm, GEICO, and Allstate.
State Farm: is known for its comprehensive coverage options and exceptional customer service. For a 30-year-old male driver in Abbeville with a clean driving record, State Farm offers a policy rate that averages $1,500 per year.
GEICO: is recognized for its competitive rates and strong online presence, which allows customers to manage their policy conveniently. For the same demographic as above, GEICO's policy rate averages around $1,420 annually.
Allstate offers: a range of discounts and customizable policies that appeal to a wide audience. An average Allstate policy for our standard driver will cost about $1,600 per year.
Please note, these prices can vary significantly based on multiple factors like age, driving record, credit score, and the type of vehicle insured.
Analysis on Quotes, Rates & Agents
Understanding the intricacies of car insurance quotes, rates, and agents is pivotal for any car owner.
Quotes are estimates of your insurance rate given by insurance companies. They are calculated based on the information you provide about your vehicle and yourself. Quotes can vary dramatically between companies, even for the same coverage, which is why it's essential to compare quotes from multiple providers.
Insurance rates are the premiums you will be required to pay to maintain your insurance policy. These rates are influenced by factors like your age, gender, driving history, location, and type of vehicle.
Insurance agents can be either 'captive' (representing one insurance company) or 'independent' (representing several companies). They are your point of contact with the insurance company and are often instrumental in guiding you through the claims process.
Factors Influencing Insurance Rates in Abbeville
In Abbeville, several factors influence car insurance rates:
Driving Record: This is one of the most crucial determinants. Drivers with a history of violations or accidents are deemed more risky, leading to higher rates.
Age and Gender: Younger, inexperienced drivers often face higher premiums. Gender can also play a role, as statistics show men often have higher accident rates.
Vehicle Type: Expensive cars or those with poor safety ratings can lead to higher insurance costs.
Location: Factors like local traffic conditions, crime rates, and the frequency of severe weather events can influence rates. In Abbeville, the relatively low population density and crime rate can have a positive impact on insurance costs.
Credit Score: Insurers often use credit scores to predict the likelihood of an insurance claim. A lower score can lead to higher premiums.
To summarize, car insurance rates in Abbeville are influenced by a range of factors and can vary significantly between individuals and insurance providers. It's crucial to compare quotes, understand your rate, and know what your policy covers. Moreover, maintaining a clean driving record, good credit score, and selecting a vehicle with a solid safety rating can help you secure the most favorable insurance rates.
Factors that can influence the cost of car insurance in Abbeville, 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.
- Abbeville, AL Auto Insurance Rates
- Abbeville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Abbeville, AL
- Multi Vehicle Insurance Savings in Abbeville, AL
- How Credit Score Affects Car Insurance Rates in Abbeville, AL
- How DUI Affects Auto Insurance Premiums in Abbeville, AL
- Top Auto Insurance Agents Near Abbeville, AL
- How Driving Violations Affect Auto Insurance Rates in Abbeville, AL
- Abbeville, AL Auto Insurance Discounts on Anti Theft Feature
Abbeville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Abbeville, AL with that of other cities in and around Abbeville.
| Abbeville | Bakerhill | Blue Springs | Headland-Newville | Newville | Echo | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,403 | $1,408 | $1,389 | $1,473 | $1,388 | $1,405 |
Abbeville, 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 Abbeville, 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) |
|---|---|---|
| Abbeville | $1,678 | $1,417 |
| Henry County | $1,037 | $876 |
| Shorterville | $2,274 | $1,921 |
| Bakerhill | $1,915 | $1,617 |
| Echo | $1,431 | $1,208 |
| Newville | $1,215 | $1,027 |
| Blue Springs | $1,334 | $1,127 |
| Headland-Newville | $932 | $787 |
Abbeville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Abbeville, 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 | $4,552 |
| 20 Years | $1,803 |
| 30 Years | $1,388 |
| 40 Years | $1,336 |
| 50 Years | $1,237 |
| 60 Years | $1,254 |
| 70 Years | $1,460 |
Abbeville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Abbeville, 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 | $2,385 | $421 |
| 3 Vehicles | $3,578 | $631 |
| 4 Vehicles | $4,770 | $842 |
Savings on 2 Vehicles bundle:$421
Savings on 3 Vehicles bundle:$631
Savings on 4 Vehicles bundle:$842
Abbeville, 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 Abbeville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Abbeville | $1,403 | $2,488 |
| Henry County | $1,438 | $2,550 |
| Shorterville | $1,420 | $2,518 |
| Bakerhill | $1,408 | $2,496 |
| Echo | $1,405 | $2,491 |
| Newville | $1,388 | $2,461 |
| Blue Springs | $1,389 | $2,463 |
| Headland-Newville | $1,473 | $2,612 |
Abbeville, 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) | $1,204 |
| Excellent (740-799) | $1,374 |
| Good (670-739) | $1,462 |
| Average (580-669) | $1,907 |
| Poor (300-579) | $2,288 |
Abbeville, 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 |
|---|---|---|---|
| Young Johnston & Associates Inc. | None | 203 W Washington St, Abbeville, 36310 | None |
| Headland Insurance Agency | Travelers | 6 E CHURCH ST, HEADLAND, 36345 | 334-693-3351 |
| Trustway Insurance | Allstate | 119 Kirkland St, Abbeville, 36310 | (334) 585-6425 |
| Ron Abernathy | State Farm | 401 Kirkland St, Abbeville, 36310-2420 | 334-585-2271 |
| Walt Chapman | State Farm | 115 Hardaway Avenue W, Union Springs, 36089-0658 | 334-738-5166 |
| Priori Ins Svcs | Allstate | 1431 Conecuh Ave E, Union Springs, 36089 | (334) 738-2131 |
| Roni Holley | State Farm | 2643 Montgomery Hwy Ste 4, Dothan, 36303-2643 | 334-793-6666 |
Abbeville, 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 | +$62 | $1,465 |
| Driver's Failure In Showing Documents | +$136 | $1,539 |
| Driving With An Expired Registration | +$145 | $1,548 |
| Driving At A Considerably Slow Pace | +$304 | $1,707 |
| Using A Cellphone While Driving | +$321 | $1,724 |
| Running A Red Light | +$327 | $1,730 |
| Speeding | +$344 | $1,747 |
| Driving A Vehicle Without The Required Permission | +$436 | $1,839 |
| Driving With An Expired/Suspended License | +$946 | $2,349 |
Abbeville, 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 | $1,347 |
| Active Disabling Device | $1,347 |
| Tracking Device | $1,319 |
| Passive Disabling Device | $1,305 |