Aliceville Auto Insurance Rates, Quotes, Agents & Reviews in AL

Aliceville, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Aliceville, 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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Unveiling Aliceville, AL's Car Insurance Rates: A Local Exploration

For Aliceville, Alabama residents, understanding car insurance rates and the influencing factors is crucial. In this article, we will delve into the competitive landscape, analyze the role of quotes, rates, and agents, and look at the factors that impact insurance rates in Aliceville.

Top Competitors and Their Rates

Several companies offer car insurance in Aliceville. Let's explore the top three competitors and the average annual rates they offer:

  • Progressive: Known for its competitive rates and comprehensive coverage options, Progressive's annual full-coverage policy in Aliceville averages around $1,100. They offer a wide range of coverages including liability, collision, comprehensive, and uninsured motorist coverage.

  • USAA: For military members and their families, USAA is a go-to option offering competitive rates averaging $1,000 annually for full coverage in Aliceville. It includes liability, comprehensive, collision, and other standard insurance types.

  • Farmers Insurance: Farmers are slightly more expensive with an average full coverage policy cost of $1,200 annually. However, they provide excellent customer service, a wide array of coverages, and many discount opportunities.Obtaining multiple quotes is essential in the quest for affordable car insurance. Each insurance provider calculates their rates differently, factoring in aspects like driving history, vehicle type, and more. It's important to note that rates can significantly vary between companies.

Analysis on Quotes, Rates & Agents

Working with local insurance agents can be beneficial as they understand the specific risks and needs associated with Aliceville. They can provide personalized advice and help you navigate the insurance landscape, ensuring that you get the most suitable coverage at the best price.

Factors Influencing Insurance Rates in Aliceville

The following are several factors influencing insurance rates in Aliceville:

  • Location: With a population of approximately 2,500, Aliceville's small-town charm brings with it lower crime rates, contributing to lower insurance premiums. However, its location in Alabama, a state prone to extreme weather events, can potentially lead to increased insurance rates due to the higher risk of vehicle damage.

  • Age and Gender: As is standard, younger and less experienced drivers, particularly males, tend to have higher insurance premiums due to the associated higher risk.

  • Driving Record: Drivers with a clean driving record are likely to have lower insurance rates. In contrast, those with a history of accidents or violations will usually face higher premiums.

  • Vehicle Type: The type and model of your vehicle can significantly impact your insurance rates. More expensive or high-performance cars typically attract higher premiums.

  • Credit Score: A higher credit score can lead to lower car insurance premiums, as many insurance companies use credit-based insurance scores to help predict risk.

  • Coverage Level: Naturally, the more comprehensive your coverage, the higher your insurance premiums will be.

Understanding the factors influencing car insurance rates and familiarizing oneself with the competitive landscape are crucial steps in securing the best possible insurance rates in Aliceville, Alabama. By comparing quotes from different providers and recognizing personal factors that could influence the price, drivers can ensure they're getting the best value for their insurance needs.

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

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

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

Aliceville Union Pickens County McMullen Memphis Pickensville
Average Insurance Rates $1,437 $1,394 $1,416 $1,953 $1,418 $1,394

Aliceville, 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 Aliceville, 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)
Aliceville $1,950 $1,647
McMullen $2,012 $1,699
Carrollton $1,902 $1,607
Pickens County $1,744 $1,473
Memphis $1,055 $891
Pickensville $1,169 $987
Mantua-West Greene $1,261 $1,065
Union $1,568 $1,324

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

Teenagers in Aliceville, 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 $4,663
20 Years $1,846
30 Years $1,422
40 Years $1,368
50 Years $1,267
60 Years $1,285
70 Years $1,495

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

Car owners in Aliceville, 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 $2,472 $402
3 Vehicles $3,707 $604
4 Vehicles $4,943 $805

Savings on 2 Vehicles bundle:$402

Savings on 3 Vehicles bundle:$604

Savings on 4 Vehicles bundle:$805

Aliceville, 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 Aliceville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Aliceville $1,437 $2,548
McMullen $1,953 $3,463
Carrollton $1,380 $2,447
Pickens County $1,416 $2,511
Memphis $1,418 $2,514
Pickensville $1,394 $2,472
Mantua-West Greene $1,391 $2,466
Union $1,394 $2,472

Aliceville, 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) $1,233
Excellent (740-799) $1,407
Good (670-739) $1,497
Average (580-669) $1,954
Poor (300-579) $2,344

Aliceville, 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 $1,500
Driver's Failure In Showing Documents +$139 $1,576
Driving With An Expired Registration +$148 $1,585
Driving At A Considerably Slow Pace +$312 $1,749
Using A Cellphone While Driving +$329 $1,766
Running A Red Light +$335 $1,772
Speeding +$352 $1,789
Driving A Vehicle Without The Required Permission +$447 $1,884
Driving With An Expired/Suspended License +$969 $2,406

Aliceville, 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 $1,380
Active Disabling Device $1,380
Tracking Device $1,351
Passive Disabling Device $1,336