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

Adamsville, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Adamsville, 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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Adamsville, AL Car Insurance Rates

Adamsville, Alabama is a small city in Jefferson County with a population of approximately 4,500 residents. Being a part of the Birmingham-Hoover Metropolitan Area, it enjoys the benefits of being near the bustling city while maintaining a suburban tranquility. However, like everywhere else, residents of Adamsville need car insurance, a cost that can vary greatly. In this detailed analysis, we explore the car insurance rates in Adamsville, highlighting the top competitors, their prices, and the factors influencing these rates.

Top Competitors and Their Prices

As of mid-2023, the leading car insurance companies serving Adamsville, AL, include State Farm, Geico, Allstate, and Progressive:

State Farm: State Farm offers competitive rates, typically around $1,100 to $1,200 annually for basic liability coverage. Their comprehensive coverage, on the other hand, could range from $2,200 to $2,500.

Geico: Geico's pricing structures fall slightly lower than State Farm. Basic coverage may range from $950 to $1,100 per year, while comprehensive coverage varies from $2,000 to $2,300 annually.

Allstate: Allstate has a higher premium cost, ranging from $1,200 to $1,300 for basic coverage and $2,500 to $2,800 for comprehensive plans.

Progressive: Progressive's rates are competitive, with basic coverage between $1,000 and $1,150 annually and comprehensive coverage ranging from $2,100 to $2,400 per year.

These prices fluctuate due to factors such as driver's age, driving history, car model, and additional coverage options, among others.

Analysis on Quotes, Rates & Agents

When shopping for car insurance in Adamsville, it's crucial to get quotes from different providers. Each company uses a different formula to calculate risk and determine rates, hence the price discrepancies for the same level of coverage. A detailed comparison and review of quotes allow potential clients to choose the best plan suited for their needs and budgets.

Independent insurance agents are beneficial in this process. These agents represent multiple insurance companies and can provide comparative quotes, saving clients time and energy. They can also help customize coverage to fit specific needs and guide clients on potential discounts, ensuring a more affordable and suitable insurance package.

Factors Influencing Insurance Rates in Adamsville:

Several factors determine car insurance rates in Adamsville, AL:

Location: Adamsville's crime rate, particularly vehicle thefts, plays a role in insurance rates. Areas with lower crime rates often enjoy lower premiums.

Age and Gender: Younger, less experienced drivers tend to have higher insurance rates, as do male drivers, statistically considered to be more accident-prone.

Driving History: Drivers with a clean record—no accidents or traffic violations—will likely receive lower rates compared to those with a tarnished driving history.

Vehicle Make and Model: The value, safety ratings, and theft rates of a vehicle also significantly impact the cost of insurance. Luxury and sports cars tend to cost more to insure than standard sedans or SUVs.

​​​​​​​Annual Mileage: Drivers who use their vehicles frequently, thus putting more annual mileage on them, may experience higher insurance rates due to increased risk of accidents.

​​​​​​​Credit Score: A lower credit score may lead to higher rates as insurance companies often view those with poor credit as higher risk.

The car insurance market in Adamsville, AL, is competitive, with several companies offering different prices for varying levels of coverage. Factors such as location, driving history, and vehicle details significantly influence these rates. It's crucial for residents to review multiple quotes and understand the determining elements to secure the best insurance rates for their needs. Independent insurance agents can be valuable allies in navigating this complex landscape, ensuring each driver receives the most comprehensive and affordable coverage.

Factors that can influence the cost of car insurance in Adamsville, 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.

Adamsville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Adamsville, AL with that of other cities in and around Adamsville.

Adamsville Mulga Minor Cardiff Edgewater Forestdale
Average Insurance Rates $1,421 $1,370 $1,404 $1,367 $1,399 $1,447

Adamsville, 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 Adamsville, 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)
Adamsville $1,804 $1,523
Graysville-Adamsville $1,420 $1,200
Graysville $1,520 $1,284
Mulga $1,229 $1,038
Cardiff $1,436 $1,213
Forestdale $1,490 $1,259
Minor $1,547 $1,307
Edgewater $1,904 $1,609

Adamsville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Adamsville, 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 $4,611
20 Years $1,826
30 Years $1,406
40 Years $1,353
50 Years $1,253
60 Years $1,270
70 Years $1,479

Adamsville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Adamsville, 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 $2,416 $426
3 Vehicles $3,624 $639
4 Vehicles $4,831 $853

Savings on 2 Vehicles bundle:$426

Savings on 3 Vehicles bundle:$639

Savings on 4 Vehicles bundle:$853

Adamsville, 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 Adamsville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Adamsville $1,421 $2,519
Graysville-Adamsville $1,422 $2,521
Graysville $1,405 $2,491
Mulga $1,370 $2,429
Cardiff $1,367 $2,424
Forestdale $1,447 $2,566
Minor $1,404 $2,489
Edgewater $1,399 $2,480

Adamsville, 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) $1,219
Excellent (740-799) $1,392
Good (670-739) $1,481
Average (580-669) $1,932
Poor (300-579) $2,318

Adamsville, 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
Justin Gurley Farmers 717 Kerr Dr, Gardendale, 35071 (205) 631-8555
Scott Cantrell State Farm 313 Fieldstown Rd Ste 101, Gardendale, 35071-2796 205-631-6201
Shawna Holley State Farm 915 Main St, Gardendale, 35071-2633 205-631-8766
Keith Devine Farmers 1140 Main St, Gardendale, 35071 (205) 608-4252
Claude Houser State Farm 1441 Forestdale Blvd, Birmingham, 35214-3094 205-798-8446
Joyce Ladd State Farm 2110 Bessemer Road, Birmingham, 35208-3408 205-780-2955
Sheridan Hill Farmers 1329 Forestdale Blvd Ste 306, Birmingham, 35214 (205) 791-6625
Jeffery Rasbury Farmers 1420 Northbrook Dr Ste 101, Gardendale, 35071 (205) 631-2050
Standifer Insurance And Financial Services Inc. Allstate 1633 Montgomery Hwy Ste 2, Hoover, 35216 (205) 979-1590

Adamsville, 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 +$63 $1,484
Driver's Failure In Showing Documents +$138 $1,559
Driving With An Expired Registration +$146 $1,567
Driving At A Considerably Slow Pace +$308 $1,729
Using A Cellphone While Driving +$325 $1,746
Running A Red Light +$331 $1,752
Speeding +$348 $1,769
Driving A Vehicle Without The Required Permission +$442 $1,863
Driving With An Expired/Suspended License +$958 $2,379

Adamsville, 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 $1,364
Active Disabling Device $1,364
Tracking Device $1,336
Passive Disabling Device $1,322