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

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.

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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 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