Alberta, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alberta, 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.
Crunching Numbers: A Look at Car Insurance Rates in Alberta, AL
Alberta, AL, is a picturesque town that maintains its quintessential southern charm and, like anywhere else in the country, requires vehicle owners to have valid car insurance. The cost of car insurance in Alberta is influenced by numerous factors. This article will delve into the local insurance landscape, discussing top competitors, average rates, and the influencing factors.
Top Insurance Competitors and their Rates
State Farm: As one of the largest insurers in the U.S., State Farm has a substantial presence in Alberta. Offering comprehensive auto insurance, their rates typically average around $1,200 annually for full coverage and about $600 for minimum coverage.
Geico: Another significant player in Alberta's car insurance scene is Geico, known for its competitive pricing and extensive coverage options. Average rates sit approximately at $1,150 per year for full coverage and $580 for minimum coverage.
Progressive: Progressive provides highly customizable plans, which appeals to Alberta's diverse population. Their annual rates average $1,300 for full coverage and $650 for minimum coverage.
Allstate: Allstate's premium insurance services have made them a preferred choice for many in Alberta, even with slightly higher rates. Full coverage costs average around $1,350 annually, while minimum coverage is about $700.
Analysis on Quotes, Rates & Agents
The rates provided above are averages and might vary depending on numerous factors. Obtaining quotes from multiple insurance companies is a prudent way to compare prices and benefits. Most providers offer online quote services, but engaging with insurance agents can lead to a more personalized and advantageous plan.
Insurance agents typically have an in-depth understanding of the local landscape and can navigate the complexities of the insurance market. Their expertise could help Alberta residents to optimize their coverage, balance their deductibles, and secure discounts, resulting in lower premium payments.
Factors Influencing Insurance Rates in Alberta, AL
Driving Record: A clean driving record is one of the best ways to keep insurance premiums low. Tickets, accidents, and DUIs significantly increase the cost of insurance.
Age, Gender, and Marital Status: Young, unmarried males often have the highest insurance rates due to their perceived risk.
Vehicle Make and Model: More expensive vehicles or those with higher theft rates usually cost more to insure.
Credit Score: Insurers often use credit scores to predict the risk of filing a claim. A lower credit score might result in a higher premium.
Location: Those living in areas with high crime rates or dense traffic might face higher premiums due to the increased likelihood of theft or accidents.
Mileage: The more a person drives, the more likely they are to be involved in an accident, and hence, higher annual mileage can lead to increased rates.
Navigating the car insurance landscape in Alberta, AL, can be complex, but with a good understanding of the key players and influential factors, residents can find a plan that suits their needs and budget. Remember, the goal isn't just to find the cheapest insurance, but to find the best coverage for your situation. Be proactive, compare quotes, and engage with agents to make an informed decision.
Factors that can influence the cost of car insurance in Alberta, 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.
- Alberta, AL Auto Insurance Rates
- Alberta, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alberta, AL
- Multi Vehicle Insurance Savings in Alberta, AL
- How Credit Score Affects Car Insurance Rates in Alberta, AL
- How DUI Affects Auto Insurance Premiums in Alberta, AL
- Top Auto Insurance Agents Near Alberta, AL
- How Driving Violations Affect Auto Insurance Rates in Alberta, AL
- Alberta, AL Auto Insurance Discounts on Anti Theft Feature
Alberta, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alberta, AL with that of other cities in and around Alberta.
| Alberta | Camden | Yellow Bluff | Catherine | Boykin | Safford | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,370 | $1,424 | $1,405 | $2,052 | $1,387 | $1,425 |
Alberta, 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 Alberta, 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) |
|---|---|---|
| Alberta | $1,342 | $1,134 |
| Catherine | $2,114 | $1,785 |
| Boykin | $1,357 | $1,146 |
| Camden | $1,367 | $1,154 |
| Safford | $1,239 | $1,047 |
| Wilcox County | $1,580 | $1,335 |
| Thomaston | $1,340 | $1,132 |
| Yellow Bluff | $2,200 | $1,858 |
Alberta, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alberta, 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 | $4,445 |
| 20 Years | $1,760 |
| 30 Years | $1,356 |
| 40 Years | $1,305 |
| 50 Years | $1,208 |
| 60 Years | $1,225 |
| 70 Years | $1,426 |
Alberta, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alberta, 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 | $2,329 | $411 |
| 3 Vehicles | $3,494 | $617 |
| 4 Vehicles | $4,658 | $822 |
Savings on 2 Vehicles bundle:$411
Savings on 3 Vehicles bundle:$617
Savings on 4 Vehicles bundle:$822
Alberta, 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 Alberta, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Alberta | $1,370 | $2,429 |
| Catherine | $2,052 | $3,638 |
| Boykin | $1,387 | $2,459 |
| Camden | $1,424 | $2,525 |
| Safford | $1,425 | $2,527 |
| Wilcox County | $1,404 | $2,489 |
| Thomaston | $1,395 | $2,473 |
| Yellow Bluff | $1,405 | $2,491 |
Alberta, 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) | $1,175 |
| Excellent (740-799) | $1,342 |
| Good (670-739) | $1,428 |
| Average (580-669) | $1,862 |
| Poor (300-579) | $2,235 |
Alberta, 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 |
|---|---|---|---|
| The Morris Agency Inc | Travelers | 1003 BROAD ST, SELMA, 36701 | 334-872-2303 |
| Linc Lewis | Allstate | 4441 S Alabama Ave, Monroeville, 36460 | (251) 575-5007 |
| Bob Myers | State Farm | 1009 Highland Ave, Selma, 36701-4960 | 334-875-1080 |
| Holman Insurance Agency, Inc. | None | 106 Court St, Camden, 36726 | None |
| Mcdonald Insurance Agency | Travelers | 626 SOUTH ALABAMA AVENUE, MONROEVILLE, 36460 | 251-743-3251 |
| Anchor Insurance Dba Marion Insurance Agency | None | P O Box 510 , Marion, 36756 | None |
| Tate-Heinz Ellis & Sexton Inc | Travelers | 403 BROAD ST, SELMA, 36701 | 334-875-7261 |
Alberta, 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 | +$60 | $1,430 |
| Driver's Failure In Showing Documents | +$133 | $1,503 |
| Driving With An Expired Registration | +$141 | $1,511 |
| Driving At A Considerably Slow Pace | +$297 | $1,667 |
| Using A Cellphone While Driving | +$314 | $1,684 |
| Running A Red Light | +$319 | $1,689 |
| Speeding | +$336 | $1,706 |
| Driving A Vehicle Without The Required Permission | +$426 | $1,796 |
| Driving With An Expired/Suspended License | +$923 | $2,293 |
Alberta, 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 | $1,315 |
| Active Disabling Device | $1,315 |
| Tracking Device | $1,288 |
| Passive Disabling Device | $1,274 |