Alexandria, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alexandria, 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.
Understanding Car Insurance Rates in Alexandria, AL: An In-Depth Analysis
Navigating the intricate world of car insurance can be a daunting task for many, especially when attempting to understand the wide range of rates available. For those residing in Alexandria, Alabama, comprehending the factors that influence these rates, along with an understanding of key competitors, can be of immense benefit.
Top Competitors and Their Rates
Here are the top three insurance providers in Alexandria and their average annual prices:
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State Farm: As one of the most well-known car insurance providers, State Farm offers full coverage policies in Alexandria at an average annual rate of around $1,200. Their policies include comprehensive, collision, and liability coverage, as well as protections for uninsured or underinsured motorists.
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GEICO: Known for its competitive rates and good customer service, GEICO’s average annual rate for a full coverage policy in Alexandria is about $1,100. They offer liability, collision, comprehensive, medical payments, and uninsured motorist coverage.
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Allstate: Allstate’s average rate is slightly higher at $1,300 per year for full coverage, but they have a reputation for excellent customer service and provide comprehensive coverage options, plus many opportunities for discounts.
Analysis on Quotes, Rates & Agents
Collecting quotes from multiple insurance companies is a critical step when seeking the most affordable and comprehensive coverage. Each insurance provider utilizes its unique method for calculating rates, taking into account elements like your driving history, the make and model of your vehicle, and other factors that can significantly affect the price you pay.
Local insurance agents can offer invaluable insights as they have a firm understanding of the specific risks and requirements in Alexandria. Their experience and knowledge can help you find the best coverage for your needs at the most competitive prices.
Factors Influencing Insurance Rates in Alexandria
Several factors can influence insurance rates in Alexandria:
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Location: Alexandria has a smaller population and a lower crime rate than many larger cities, which can contribute to lower insurance premiums. However, Alabama's exposure to severe weather conditions can potentially increase insurance rates due to the risk of vehicle damage.
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Age and Gender: Younger, inexperienced drivers, particularly males, often have higher insurance premiums due to perceived risk.
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Driving Record: Those with a clean driving record will generally have lower insurance rates, whereas drivers with accidents or traffic violations on their record can expect to pay more.
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Vehicle Type: The make, model, and age of your vehicle can significantly impact your insurance rates. High-end or newer cars usually attract higher premiums due to the cost of repairs or replacement.
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Credit Score: Many insurance companies use credit scores as a factor in determining premiums, with a higher score often resulting in lower rates.
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Coverage Level: The more comprehensive your insurance coverage, the higher your premiums will be.
By understanding these influencing factors and conducting comprehensive research, including obtaining quotes from various providers, residents of Alexandria can make informed decisions to secure the best possible car insurance rates. Remember, while price is a significant factor, it’s equally important to ensure the coverage meets your individual needs.
Factors that can influence the cost of car insurance in Alexandria, 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.
- Alexandria, AL Auto Insurance Rates
- Alexandria, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alexandria, AL
- Multi Vehicle Insurance Savings in Alexandria, AL
- How Credit Score Affects Car Insurance Rates in Alexandria, AL
- How DUI Affects Auto Insurance Premiums in Alexandria, AL
- Top Auto Insurance Agents Near Alexandria, AL
- How Driving Violations Affect Auto Insurance Rates in Alexandria, AL
- Alexandria, AL Auto Insurance Discounts on Anti Theft Feature
Alexandria, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alexandria, AL with that of other cities in and around Alexandria.
| Alexandria | West End-Cobb Town | Alexandria-Webster Chapel | Anniston | Saks | Ohatchee | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,447 | $1,392 | $1,443 | $1,370 | $1,422 | $1,428 |
Alexandria, 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 Alexandria, 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) |
|---|---|---|
| Alexandria | $2,795 | $2,361 |
| Calhoun County | $1,466 | $1,238 |
| Weaver | $1,808 | $1,527 |
| Saks | $1,539 | $1,300 |
| Alexandria-Webster Chapel | $1,486 | $1,255 |
| Anniston | $1,620 | $1,369 |
| West End-Cobb Town | $1,920 | $1,622 |
| Ohatchee | $1,938 | $1,637 |
Alexandria, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alexandria, 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 | $4,695 |
| 20 Years | $1,859 |
| 30 Years | $1,432 |
| 40 Years | $1,378 |
| 50 Years | $1,276 |
| 60 Years | $1,294 |
| 70 Years | $1,506 |
Alexandria, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alexandria, 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 | $2,489 | $405 |
| 3 Vehicles | $3,733 | $608 |
| 4 Vehicles | $4,978 | $810 |
Savings on 2 Vehicles bundle:$405
Savings on 3 Vehicles bundle:$608
Savings on 4 Vehicles bundle:$810
Alexandria, 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 Alexandria, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Alexandria | $1,447 | $2,566 |
| Calhoun County | $1,436 | $2,546 |
| Weaver | $1,431 | $2,537 |
| Saks | $1,422 | $2,521 |
| Alexandria-Webster Chapel | $1,443 | $2,558 |
| Anniston | $1,370 | $2,429 |
| West End-Cobb Town | $1,392 | $2,468 |
| Ohatchee | $1,428 | $2,532 |
Alexandria, 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) | $1,242 |
| Excellent (740-799) | $1,417 |
| Good (670-739) | $1,508 |
| Average (580-669) | $1,967 |
| Poor (300-579) | $2,360 |
Alexandria, 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 |
|---|---|---|---|
| Larry Currie | State Farm | 425 East 10th Street, Anniston, 36207-4789 | 256-237-5911 |
| Chad Lincoln | Allstate | 1027 S Quintard Ave, Anniston, 36201 | (256) 237-1100 |
| Jerry Mccullars | Allstate | 1027 S Quintard Ave, Anniston, 36201 | (256) 237-1100 |
| Seals Insurance | Travelers | 45240 HWY 78, LINCOLN, 35096 | 205-763-0950 |
| Shannon & Banks Inc | Liberty Mutual Independent | 200 Chestnut St, Ste B, Gadsden, 35901 | None |
| Harris Mckay Insurance | Travelers | 1112 WILMER AVE, ANNISTON, 36201 | 256-236-0301 |
| Insurance Planning Services, Inc. | None | 103 East 13Th St, Anniston, 35203 | (256) 280-3361 |
| Pat Lowe | State Farm | 2830 Crestwood Blvd, Birmingham, 35210-1229 | 205-956-3276 |
| Isu Insurance Planning Services Inc | Travelers | 103 E 13TH ST, ANNISTON, 36201 | 256-237-7541 |
| Robert Hodges | State Farm | 9721-D Parkway East, Birmingham, 35215-7858 | 205-836-7234 |
Alexandria, 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 | +$64 | $1,511 |
| Driver's Failure In Showing Documents | +$140 | $1,587 |
| Driving With An Expired Registration | +$149 | $1,596 |
| Driving At A Considerably Slow Pace | +$314 | $1,761 |
| Using A Cellphone While Driving | +$331 | $1,778 |
| Running A Red Light | +$337 | $1,784 |
| Speeding | +$355 | $1,802 |
| Driving A Vehicle Without The Required Permission | +$450 | $1,897 |
| Driving With An Expired/Suspended License | +$975 | $2,422 |
Alexandria, 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 | $1,389 |
| Active Disabling Device | $1,389 |
| Tracking Device | $1,360 |
| Passive Disabling Device | $1,346 |