Albertville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Albertville, 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.
Ways to Reduce the Cost of Auto Insurance in Albertville, AL
The average cost of auto insurance in Albertville, AL, is $1,441. This cost is higher than nearby locations like New Union, Boaz, and Albertville-Boaz but lower than other nearby places like Guntersville and Sardis City. Car owners in Albertville, AL can reduce the cost of their car insurance by considering various factors like the neighborhood, credit score, and deductibles. Below is an analysis by Zimlon highlights some factors that can lower the cost of car insurance in Albertville, AL.
The neighborhood one lives in Albertville, AL influences the cost of car insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the prices can vary.
This is one of the most common factors influencing the cost of auto insurance in Albertville, AL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance in Albertville, AL, on a deductible of $500 is $1,700 and it decreases to $1,436 when the deductible is $1,000.
Age of the Driver:
Car owners in Albertville, AL, can lower their car insurance costs by comparing multiple age of the driver based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers in Albertville, AL, 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. The average cost of car insurance for a teenager in Albertville, AL, is $4,676. Whereas, for a 40 to 60-year-old car driver the average cost of car insurance in Albertville, AL, is less than $1300. Below is the list of the cost of car insurance for different age groups in Albertville, AL.
Car owners in Albertville, AL, can further reduce the cost of their car insurance by opting for multi-car insurance policies and insuring multiple vehicles with the same insurance company. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits.
According to Zimlon’s research, car owners in Albertville, AL, can save $346 by opting to insure two cars together. Insuring three or four cars would further help residents of Albertville, AL, to save $519 and $692, respectively.
Having an “excellent” or “good” credit score will also help to make car insurance less expensive in Albertville, AL. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Albertville, AL, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,236. Whereas car insurance costs can get as high as $1,959 and $2,350 if the credit score is average or poor.
Factors that can influence the cost of car insurance in Albertville, 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.
- Albertville, AL Auto Insurance Rates
- Albertville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Albertville, AL
- Multi Vehicle Insurance Savings in Albertville, AL
- How Credit Score Affects Car Insurance Rates in Albertville, AL
- How DUI Affects Auto Insurance Premiums in Albertville, AL
- Top Auto Insurance Agents Near Albertville, AL
- How Driving Violations Affect Auto Insurance Rates in Albertville, AL
- Albertville, AL Auto Insurance Discounts on Anti Theft Feature
Albertville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Albertville, AL with that of other cities in and around Albertville.
|Albertville||New Union||Boaz||Guntersville||Albertville-Boaz||Sardis City|
|Average Insurance Rates||$1,441||$1,408||$1,437||$1,471||$1,435||$1,463|
Albertville, 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 Albertville, 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)|
Albertville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Albertville, 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|
Albertville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Albertville, 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|
Savings on 2 Vehicles bundle:$346
Savings on 3 Vehicles bundle:$519
Savings on 4 Vehicles bundle:$692
Albertville, 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 Albertville, AL.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Albertville, 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|
Albertville, 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|
|Michael Higdon||Allstate||1024 Blount Ave, Guntersville, 35976||(256) 582-1239|
|Jay Rains||Farmers||201 E Mckinney Ave Ste B, Albertville, 35950||(256) 878-1311|
|Lynn Holifield||State Farm||1528 Gunter Avenue, Guntersville, 35976-0130||256-582-4476|
|Michael Higdon||Allstate||319a Al Highway 75 N, Albertville, 35951||(256) 878-8787|
|Allison Agency Inc||Travelers||8457 US HWY 431, ALBERTVILLE, 35950||256-891-8686|
|Carolyn Lankford||Allstate||7771 Highway 72 W Ste A, Madison, 35758||(256) 430-0477|
|Ken Davis||State Farm||3503 Memorial Pkwy NW Ste Ea, Huntsville, 35810-2414||256-489-5450|
|Harris Fowler Insurance Inc||Travelers||Po Box 218, Albertville, 35950||None|
|Tim Roberts||State Farm||303 Williams Ave SW Ste 1221, Huntsville, 35801-6082||256-533-3431|
|Apc Insurance||Travelers||6210-A OLD MADISON PIKE, HUNTSVILLE, 35806||256-837-0552|
|The Insurance King, Inc.||None||Po Box 1409, Decatur, 35602||None|
Albertville, 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||$1,504|
|Driver's Failure In Showing Documents||+$140||$1,581|
|Driving With An Expired Registration||+$148||$1,589|
|Driving At A Considerably Slow Pace||+$313||$1,754|
|Using A Cellphone While Driving||+$330||$1,771|
|Running A Red Light||+$336||$1,777|
|Driving A Vehicle Without The Required Permission||+$448||$1,889|
|Driving With An Expired/Suspended License||+$971||$2,412|
Albertville, 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|
|Active Disabling Device||$1,383|
|Passive Disabling Device||$1,340|