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