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

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.

Compare Quotes from Top Providers and Save now!

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 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