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

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

Zimlon, through its research, found that car owners in Allgood, 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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Allgood, AL Car Insurance Rates: A Comprehensive Review

Car insurance is an important asset to have in Allgood, Alabama, as it is across the United States. Not only is it a legal requirement, but it also offers financial protection in case of accidents, theft, and other unexpected incidents. This article provides an in-depth analysis of car insurance rates in Allgood, with a focus on key competitors and the rates they offer, the role of quotes, rates, and agents, as well as the factors influencing insurance rates in the city.


Competitors and Their Prices

  • State Farm: State Farm is one of the leading providers of car insurance in Allgood, Alabama. Known for its comprehensive coverage and excellent customer service, its average annual rate for a full coverage policy is around $1,400.

  • Geico: Geico is another major player in the Allgood market, with competitive rates and a user-friendly online platform. The average annual rate for full coverage is approximately $1,300.

  • Progressive: Progressive offers a range of customizable policies and has an average annual full coverage rate of around $1,500.

  • Allstate: Known for its range of discounts and strong customer service, Allstate’s average full coverage annual premium stands at about $1,600.

  • USAA: For military members and their families, USAA offers competitive rates, often beating other insurers. The average annual full coverage premium with USAA is around $1,200, although availability is restricted to those with a military affiliation.


Quotes, Rates, & Agents

The role of insurance quotes, rates, and agents in the auto insurance purchasing process cannot be overstressed. Quotes offer an estimated cost of what your insurance coverage might look like with a particular insurer. These quotes can vary significantly based on several factors, including driving history, vehicle type, and the level of coverage desired.

Agents, on the other hand, serve as intermediaries between the insurance company and the customers. They can help you navigate the often complex world of insurance, explaining coverage options, and potentially negotiating rates on your behalf. In Allgood, many insurance customers appreciate the personalized touch of working with an agent.


Factors Influencing Insurance Rates in Allgood

Several factors influence car insurance rates in Allgood, AL:

  • Driving Record: Individuals with a clean driving record can often expect lower premiums. In contrast, those with records of accidents or traffic violations might face higher rates.

  • Vehicle Type: The make, model, and year of your vehicle can significantly affect your insurance premium. Newer, expensive cars typically cost more to insure.

  • Location: Where you live in Allgood also matters. Areas with higher rates of vehicle theft or accidents may have higher insurance rates.

  • Age and Gender: Younger drivers typically face higher rates due to their lack of driving experience. Furthermore, statistical data suggests that male drivers are often associated with higher risk, which might influence rates.

  • Credit Score: Many insurers use credit scores as an indicator of risk. A lower credit score can lead to higher insurance premiums.

  • Mileage: The more you drive, the higher your exposure to risk. Thus, those who drive more often or cover more distance might face higher insurance rates.

Getting the right car insurance in Allgood, AL, requires understanding the various factors influencing the rates. It's essential to compare quotes from different insurers and understand the role of agents in the purchasing process. By considering the factors that impact the rates, one can make informed decisions that ensure optimal coverage at affordable rates.

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

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

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

Allgood Nectar Rosa Oneonta Cleveland Blount County
Average Insurance Rates $1,418 $1,451 $1,428 $1,469 $1,440 $1,449

Allgood, 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 Allgood, 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)
Allgood $2,439 $2,060
Oneonta $1,092 $922
Highland Lake $1,357 $1,146
Blount County $1,078 $911
Rosa $1,498 $1,265
Cleveland $1,071 $905
Nectar $1,399 $1,181
Locust Fork $1,404 $1,186

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

Teenagers in Allgood, 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 $4,601
20 Years $1,822
30 Years $1,403
40 Years $1,350
50 Years $1,250
60 Years $1,268
70 Years $1,476

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

Car owners in Allgood, 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 $2,496 $340
3 Vehicles $3,744 $510
4 Vehicles $4,991 $681

Savings on 2 Vehicles bundle:$340

Savings on 3 Vehicles bundle:$510

Savings on 4 Vehicles bundle:$681

Allgood, 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 Allgood, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Allgood $1,418 $2,514
Oneonta $1,469 $2,605
Highland Lake $1,548 $2,745
Blount County $1,449 $2,569
Rosa $1,428 $2,532
Cleveland $1,440 $2,553
Nectar $1,451 $2,573
Locust Fork $1,442 $2,557

Allgood, 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) $1,217
Excellent (740-799) $1,389
Good (670-739) $1,478
Average (580-669) $1,928
Poor (300-579) $2,313

Allgood, 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
Kim Lee State Farm 28254 State Highway 75, Oneonta, 35121-1659 205-625-4141
Casey Mann State Farm 5950 Chalkville Mtn Rd Ste 114, Birmingham, 35235-8617 205-655-7222
Karen Acker State Farm 103 2nd Ave W, Oneonta, 35121-1603 205-274-2123
Crawford-Skinner Agency Travelers 6412 Us Highway 11 , Springville, 35146 None
Stephen A. Davis Insurance Inc. None 106B 2Nd Street N, Oneonta, 35121 None
Allison Agency Inc Travelers 408 SECOND AVE E, ONEONTA, 35121 205-625-4629
Briggs Ins Agcy None 5245 Old Springville Road Pinson, Clay, 35126 None
Kenneth Chad Harris Farmers 5330 Stadium Trace Pkwy Ste 255, Hoover, 35244 (205) 982-8497
Ron Jones State Farm 3122 Green Valley Rd, Vestavia, 35243-5236 205-967-2223

Allgood, 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 +$62 $1,480
Driver's Failure In Showing Documents +$138 $1,556
Driving With An Expired Registration +$146 $1,564
Driving At A Considerably Slow Pace +$308 $1,726
Using A Cellphone While Driving +$325 $1,743
Running A Red Light +$330 $1,748
Speeding +$347 $1,765
Driving A Vehicle Without The Required Permission +$441 $1,859
Driving With An Expired/Suspended License +$956 $2,374

Allgood, 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 $1,361
Active Disabling Device $1,361
Tracking Device $1,333
Passive Disabling Device $1,319