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