Alexander City Auto Insurance Rates, Quotes, Agents & Reviews in AL

Alexander City, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Alexander City, 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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Decoding Car Insurance Rates in Alexander City, AL: A Detailed Look

Understanding car insurance can be an overwhelming task, but it's a necessary one for any motorist. For residents in Alexander City, Alabama, there are several considerations to understand when it comes to their car insurance rates.

Top Competitors and Their Rates

The city's car insurance landscape is dominated by some key players that offer different rates. Here are the top three competitors and their average annual prices:

Progressive: With an average annual premium of around $1,100 for full coverage, Progressive offers competitive rates and a range of coverage options. Their comprehensive package includes collision, liability, comprehensive, and uninsured/underinsured motorist coverage.

USAA: An excellent option for military members and their families, USAA offers car insurance at an average annual rate of $1,000 for full coverage in Alexander City. The coverage includes comprehensive, collision, liability, and other standard insurance types.

​​​​​​​Nationwide: Providing full coverage for about $1,200 per year, Nationwide offers various options including liability, comprehensive, collision, and uninsured motorist coverage. Despite slightly higher rates, they provide excellent customer service and numerous discount opportunities.

Analysis on Quotes, Rates & Agents

Getting quotes from multiple providers is a crucial step in the search for affordable car insurance. The reason for this is that each insurance provider calculates rates differently based on factors like driving history, vehicle type, and more. It's also important to understand that rates can vary significantly from one company to another.

Working with a local agent can also be beneficial. Agents who are familiar with Alexander City will be aware of the specific risks and needs of the area. They can provide you with personalized advice and help you navigate the complicated world of insurance to find a policy that fits your needs.

Factors Influencing Insurance Rates in Alexander City

Several factors influence insurance rates in Alexander City:

Location: Alexander City is relatively small with a population of around 14,000. The city's low crime rate can contribute to lower insurance premiums. However, being in Alabama, a state known for extreme weather events, could potentially increase insurance rates.

​​​​​​​Age and Gender: As with most places, younger drivers, particularly males, often pay higher insurance premiums due to the perceived increased risk.

​​​​​​​Driving Record: Drivers with a clean record are likely to enjoy lower insurance premiums, while those with past accidents or traffic violations will likely face higher rates.

​​​​​​​Vehicle Type: The type and model of your vehicle can significantly impact your insurance rates. Luxury cars or cars that are expensive to repair may attract higher premiums.

​​​​​​​Credit Score: In many cases, a good credit score can help reduce your car insurance premiums as insurers use credit-based insurance scores to help predict risk.

​​​​​​​Coverage Level: The higher the level of coverage you choose, the higher your insurance premiums will be.

Understanding these influencing factors and the competitive landscape can help Alexander City residents make a well-informed decision about their car insurance. Comparing quotes from various providers and considering individual factors will help drivers secure the best possible car insurance rates.

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

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

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

Alexander City Hackneyville Our Town Tallapoosa County Goodwater-Kellyton Jacksons' Gap
Average Insurance Rates $1,425 $1,448 $2,111 $1,432 $1,400 $1,408

Alexander City, 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 Alexander City, 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)
Alexander City $1,314 $1,110
Kellyton $1,363 $1,151
Ray $1,201 $1,014
Our Town $2,174 $1,837
Hackneyville $1,420 $1,200
Jacksons' Gap $1,434 $1,211
Goodwater-Kellyton $1,575 $1,330
Tallapoosa County $1,944 $1,642

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

Teenagers in Alexander City, 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 $4,624
20 Years $1,831
30 Years $1,410
40 Years $1,357
50 Years $1,257
60 Years $1,274
70 Years $1,483

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

Car owners in Alexander City, 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 $2,508 $342
3 Vehicles $3,762 $513
4 Vehicles $5,016 $684

Savings on 2 Vehicles bundle:$342

Savings on 3 Vehicles bundle:$513

Savings on 4 Vehicles bundle:$684

Alexander City, 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 Alexander City, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Alexander City $1,425 $2,527
Kellyton $1,429 $2,534
Ray $1,166 $2,067
Our Town $2,111 $3,743
Hackneyville $1,448 $2,567
Jacksons' Gap $1,408 $2,496
Goodwater-Kellyton $1,400 $2,482
Tallapoosa County $1,432 $2,539

Alexander City, 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) $1,223
Excellent (740-799) $1,396
Good (670-739) $1,485
Average (580-669) $1,937
Poor (300-579) $2,324

Alexander City, 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
New Century Benefits None 1810 Executive Square, Jonesboro, 72401 None
Dark Insurance Agency Inc Travelers 410 HILLABEE ST, ALEXANDER CITY, 35011 256-234-5026
D. Scott Gordon Farmers 153 Alabama St, Alexander City, 35010 (256) 409-2299
Harold Cochran State Farm 2048 Cherokee Rd, Alex City, 35010-3439 256-234-2700
Patrick Robinson Allstate 100 N Main St Ste 3, Columbiana, 35051 (205) 610-8070
Chester Lewis State Farm 16641 Highway 280 Ste 300, Chelsea, 35043-8354 205-678-0200
Jp Dailey State Farm 1911 Martin Street South, Pell City, 35128-2372 205-937-8650
Preston Rhodes Allstate 2107 Martin St S Ste 102, Pell City, 35128 (205) 338-0502
Daughtry Ins Agency Inc Nationwide 1107 Cherokee Rd, Alexander City, 35010-3919 (256) 234-7781
Elliott & Associates Inc Travelers 211 2Nd Ave, Opelika, 36801 (334) 610-3528
The Cone Insurance Company Inc Travelers 4121 CARMICHAEL RD STE 502, MONTGOMERY, 36106 334-272-4791
Tumlin Insurance Agency Inc Nationwide 1914 Cogswell Ave, Pell City, 35125-1651 (205) 884-2475

Alexander City, 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 $1,488
Driver's Failure In Showing Documents +$138 $1,563
Driving With An Expired Registration +$147 $1,572
Driving At A Considerably Slow Pace +$309 $1,734
Using A Cellphone While Driving +$326 $1,751
Running A Red Light +$332 $1,757
Speeding +$349 $1,774
Driving A Vehicle Without The Required Permission +$443 $1,868
Driving With An Expired/Suspended License +$960 $2,385

Alexander City, 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 $1,368
Active Disabling Device $1,368
Tracking Device $1,340
Passive Disabling Device $1,325