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