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.
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 Rates
- Adamsville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Adamsville, AL
- Multi Vehicle Insurance Savings in Adamsville, AL
- How Credit Score Affects Car Insurance Rates in Adamsville, AL
- How DUI Affects Auto Insurance Premiums in Adamsville, AL
- Top Auto Insurance Agents Near Adamsville, AL
- How Driving Violations Affect Auto Insurance Rates in Adamsville, AL
- Adamsville, AL Auto Insurance Discounts on Anti Theft Feature
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 |