Abernant, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Abernant, 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.
Demystifying Car Insurance Rates in Abernant, AL
If you are an Abernant resident, you may be curious about your car insurance rates. After all, car insurance is a vital component of every driver's life, offering financial protection in case of accidents, theft, and damage. However, understanding car insurance rates can be a challenging task due to the complex interplay of various influencing factors. This article aims to demystify car insurance rates in Abernant, AL, by considering the leading providers and the factors that shape these rates.
The Top Competitors
Geico: Known for their competitive pricing and broad coverage, Geico is a popular choice among Abernant residents. As of 2023, the average annual car insurance rate offered by Geico in Abernant is approximately $1,200.
Progressive: Progressive offers comprehensive insurance options and a user-friendly online platform. The average annual car insurance rate for Abernant residents is approximately $1,350.
State Farm: State Farm's robust customer service and a wide range of coverage options make it a preferred choice. Their average annual car insurance rate in Abernant is roughly $1,500.
Allstate: Allstate offers personalized packages tailored to individual needs. They typically charge an average annual car insurance rate of approximately $1,600 in Abernant.
Liberty Mutual: Liberty Mutual is known for its flexible policy options and discounts. The average annual car insurance rate for Abernant residents is around $1,400.
Quotes, Rates & Agents
Car insurance quotes can significantly differ based on the personal details you provide. These details often include your age, marital status, driving history, the make and model of your car, and the amount of coverage you need.
Insurance agents play a pivotal role in your car insurance journey. They not only offer quotes but also help you understand the policy terms and find discounts. Agents in Abernant are familiar with the local factors that influence insurance rates, giving them an edge in offering you the best possible coverage for your situation.
Influencing Factors
Several factors specific to Abernant can influence car insurance rates. Here are a few key ones:
Location: Abernant's location in Alabama contributes to the overall rates due to state laws, accident rates, and prevalence of vehicle theft.
Population Density: With a lower population density compared to larger cities, Abernant has fewer cars on the road, which can decrease the likelihood of accidents, potentially leading to lower rates.
Local Weather: Alabama's weather conditions, such as frequent storms and tornadoes, can impact car insurance rates, leading to a slightly higher premium compared to states with milder weather.
Economic Conditions: Abernant's local economy and median income can affect car insurance rates. If residents generally drive more luxurious cars or the area has a higher incidence of uninsured drivers, premiums may be higher.
Driving Records: As in any city, Abernant drivers with clean driving records can expect lower insurance rates. On the contrary, a history of accidents or violations can lead to higher premiums.
Understanding car insurance rates in Abernant, AL, requires considering various local and personal factors. Each insurance provider uses a different formula to calculate risk and offer a quote, hence the variation in prices. Therefore, it's crucial to compare quotes from multiple providers and understand the coverage before settling for a policy. Consulting with a local insurance agent can also provide valuable insights tailored to your unique circumstances.
Factors that can influence the cost of car insurance in Abernant, 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.
- Abernant, AL Auto Insurance Rates
- Abernant, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Abernant, AL
- Multi Vehicle Insurance Savings in Abernant, AL
- How Credit Score Affects Car Insurance Rates in Abernant, AL
- How DUI Affects Auto Insurance Premiums in Abernant, AL
- Top Auto Insurance Agents Near Abernant, AL
- How Driving Violations Affect Auto Insurance Rates in Abernant, AL
- Abernant, AL Auto Insurance Discounts on Anti Theft Feature
Abernant, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Abernant, AL with that of other cities in and around Abernant.
| Abernant | Coaling-Vance | Lake View | West Blocton | Brookwood | Vance | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,500 | $1,463 | $1,531 | $1,426 | $1,431 | $1,463 |
Abernant, 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 Abernant, 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) |
|---|---|---|
| Abernant | $1,481 | $1,251 |
| Lake View | $2,954 | $2,495 |
| Woodstock | $1,250 | $1,056 |
| Vance | $1,981 | $1,673 |
| North Johns | $1,247 | $1,054 |
| Brookwood | $1,374 | $1,161 |
| Coaling-Vance | $1,513 | $1,278 |
| West Blocton | $1,966 | $1,661 |
Abernant, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Abernant, 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 | $4,867 |
| 20 Years | $1,927 |
| 30 Years | $1,484 |
| 40 Years | $1,428 |
| 50 Years | $1,323 |
| 60 Years | $1,341 |
| 70 Years | $1,561 |
Abernant, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Abernant, 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 | $2,580 | $420 |
| 3 Vehicles | $3,870 | $630 |
| 4 Vehicles | $5,160 | $840 |
Savings on 2 Vehicles bundle:$420
Savings on 3 Vehicles bundle:$630
Savings on 4 Vehicles bundle:$840
Abernant, 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 Abernant, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Abernant | $1,500 | $2,660 |
| Lake View | $1,531 | $2,714 |
| Woodstock | $1,441 | $2,555 |
| Vance | $1,463 | $2,594 |
| North Johns | $1,437 | $2,548 |
| Brookwood | $1,431 | $2,537 |
| Coaling-Vance | $1,463 | $2,594 |
| West Blocton | $1,426 | $2,528 |
Abernant, 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) | $1,287 |
| Excellent (740-799) | $1,469 |
| Good (670-739) | $1,563 |
| Average (580-669) | $2,039 |
| Poor (300-579) | $2,447 |
Abernant, 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 |
|---|---|---|---|
| Doug Jinks Insurance Center Inc | Travelers | 22680 BUCKSVILLE ROAD, MCCALLA, 35111 | 205-477-1711 |
| Shane Lewis | State Farm | 4760 Eastern Valley Rd Ste 110, Mc Calla, 35111-3457 | 205-477-9600 |
| Melissa Reid | Allstate | 2321 John Hawkins Pkwy Ste 101, Hoover, 35244 | (205) 497-8714 |
| Robyn Thomas | Allstate | 47 Park Rd Ste 1, Pleasant Grove, 35127 | (205) 744-4160 |
| Kenneth Chad Harris | Farmers | 5330 Stadium Trace Pkwy Ste 255, Hoover, 35244 | (205) 982-8497 |
| Pete Russell | Allstate | 4761 Letson Farms Ste 109c, McCalla, 35111 | (205) 477-7785 |
| Standifer Insurance And Financial Services Inc. | Allstate | 277 Village Pkwy, Helena, 35080 | (205) 664-3200 |
| Darren Bright | Allstate | 5210 Highway 17, Helena, 35080 | (205) 620-1120 |
| Corkren Ins Llc | Travelers | 1516 9TH AVE N STE 112, BESSEMER, 35020 | 205-565-0060 |
| Cobb Allen & Hall Inc | Travelers | 115 OFFICE PARK DR STE 200, BIRMINGHAM, 35223 | 205-414-8100 |
| Cobb Allen & Hall Inc | Travelers | 115 OFFICE PARK DR STE 200, BIRMINGHAM, 35223 | 205-414-8100 |
Abernant, 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 | +$66 | $1,566 |
| Driver's Failure In Showing Documents | +$146 | $1,646 |
| Driving With An Expired Registration | +$155 | $1,655 |
| Driving At A Considerably Slow Pace | +$326 | $1,826 |
| Using A Cellphone While Driving | +$344 | $1,844 |
| Running A Red Light | +$350 | $1,850 |
| Speeding | +$368 | $1,868 |
| Driving A Vehicle Without The Required Permission | +$467 | $1,967 |
| Driving With An Expired/Suspended License | +$1,011 | $2,511 |
Abernant, 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 | $1,440 |
| Active Disabling Device | $1,440 |
| Tracking Device | $1,410 |
| Passive Disabling Device | $1,395 |