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

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

Zimlon, through its research, found that car owners in Andalusia, 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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A Spotlight on Andalusia, AL Car Insurance Rates: A Detailed Report

Car insurance is a crucial necessity for all drivers, and understanding the rates in your local area can significantly aid in making informed decisions. In this article, we turn our spotlight to Andalusia, Alabama, examining the car insurance rates, top competitors, the influence of quotes, rates, and agents, as well as the factors determining the insurance rates in this city.

Competitors and Their Prices

  • State Farm: State Farm continues to be a reliable provider of car insurance in Andalusia, Alabama. With a reputation for comprehensive coverage and excellent customer service, State Farm's annual rate for a full coverage policy is approximately $1,500.

  • Geico: Known for its competitive pricing and accessible online platform, Geico is another major player in Andalusia. The average annual rate for full coverage stands at around $1,400.

  • Progressive: Progressive's strength lies in its customizable policies. Its annual full coverage rate averages around $1,600.

  • Allstate: With a variety of discounts and strong customer service, Allstate’s average premium for full coverage is roughly $1,700 annually.

  • USAA: For those with a military affiliation, USAA offers competitive rates, with an average full coverage annual premium of about $1,300. However, eligibility is restricted to military members and their families.

Quotes, Rates & Agents

Insurance quotes, rates, and agents each play pivotal roles in obtaining car insurance. Quotes provide a cost estimate for a policy based on several factors, and can vary significantly among different providers.

Rates are determined by numerous factors, including the car's make and model, the driver's history, and the location. Understanding how these factors impact your premium can help you secure the best rate.

Insurance agents can provide personalized guidance, explain the nuances of various coverage options, and in some cases, help negotiate better rates. The value of an experienced agent is particularly appreciated in Andalusia, where many residents prefer the personalized touch of local agencies.

Factors Influencing Insurance Rates in Andalusia

Car insurance rates in Andalusia, AL, are influenced by several factors:

  • Driving Record: A clean driving record can significantly reduce your insurance premium, while histories of accidents or traffic violations typically result in higher rates.

  • Vehicle Type: More expensive or newer cars generally have higher premiums due to their higher repair or replacement costs.

  • Location: Rates may be higher in parts of Andalusia that have higher incidences of vehicle theft or accidents.

  • Age and Gender: Statistically, younger drivers and male drivers tend to pay higher insurance rates due to their perceived higher risk.

  • Credit Score: Insurance companies often use credit scores as a risk indicator. Lower credit scores usually translate into higher premiums.

  • Mileage: Higher annual mileage can result in higher insurance rates due to increased exposure to risk.

Understanding these factors and diligently comparing quotes from different insurers can go a long way in securing a policy that offers comprehensive coverage at a price that fits your budget. In the spotlight of Andalusia, AL car insurance rates, it's clear that there are many variables at play, and the more informed you are, the better your chances of finding a policy that fits your needs.

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

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

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

Andalusia Heath River Falls Covington County Carolina Red Level
Average Insurance Rates $1,419 $1,397 $1,375 $1,420 $1,480 $1,396

Andalusia, 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 Andalusia, 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)
Andalusia $1,471 $1,242
River Falls $1,445 $1,221
Heath $2,167 $1,830
Gantt $2,178 $1,840
Carolina $1,016 $858
Red Level $1,221 $1,031
Libertyville $1,958 $1,654
Covington County $2,746 $2,319

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

Teenagers in Andalusia, 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 $4,604
20 Years $1,823
30 Years $1,404
40 Years $1,351
50 Years $1,251
60 Years $1,269
70 Years $1,477

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

Car owners in Andalusia, 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 $2,412 $426
3 Vehicles $3,618 $639
4 Vehicles $4,825 $851

Savings on 2 Vehicles bundle:$426

Savings on 3 Vehicles bundle:$639

Savings on 4 Vehicles bundle:$851

Andalusia, 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 Andalusia, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Andalusia $1,419 $2,516
River Falls $1,375 $2,438
Heath $1,397 $2,477
Gantt $1,401 $2,484
Carolina $1,480 $2,624
Red Level $1,396 $2,475
Libertyville $1,901 $3,371
Covington County $1,420 $2,518

Andalusia, 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) $1,390
Good (670-739) $1,479
Average (580-669) $1,929
Poor (300-579) $2,315

Andalusia, 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
Sharyn Smith State Farm 1805 E Three Notch St Ste 4, Andalusia, 36421-2403 334-222-1005
David Brooks Allstate 1831 E Three Notch St, Andalusia, 36421 (334) 767-3324
Christopher Jackson Allstate 408 River Falls St, Andalusia, 36420 (334) 222-8553
Davis & Associates, Inc. None 1731 E Three Notch St, Andalusia, 36421 (334) 246-2401
Joann Bulger Farmers 2 E Court Sq, Andalusia, 36420 (334) 222-8223
Tim Bryan State Farm 300 E Three Notch St, Andalusia, 36420-3125 334-222-1460
The Witherington Insurance Group None 1200 Elba Hwy, Troy, 36079 (334) 566-1477
Bancorpsouth Ins Services Inc Travelers 1012 DOUGLAS AVE, BREWTON, 36426 251-368-2106

Andalusia, 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 $1,481
Driver's Failure In Showing Documents +$138 $1,557
Driving With An Expired Registration +$146 $1,565
Driving At A Considerably Slow Pace +$308 $1,727
Using A Cellphone While Driving +$325 $1,744
Running A Red Light +$331 $1,750
Speeding +$348 $1,767
Driving A Vehicle Without The Required Permission +$441 $1,860
Driving With An Expired/Suspended License +$956 $2,375

Andalusia, 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 $1,362
Active Disabling Device $1,362
Tracking Device $1,334
Passive Disabling Device $1,320