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

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

Zimlon, through its research, found that car owners in Anniston, 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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Investigating Car Insurance Rates in Anniston, AL

Understanding the nuances of car insurance rates is integral for drivers seeking to protect themselves and their vehicles at the most affordable cost. In this article, we delve into the dynamics of car insurance in Anniston, Alabama, highlighting the top competitors, their pricing, as well as the role of quotes, rates, and agents. Additionally, we explore the various factors influencing insurance rates in Anniston.

Competitors and Their Prices

  • State Farm: Known for its extensive coverage and commendable customer service, State Farm's average annual rate for a full coverage policy in Anniston is around $1,550.

  • Geico: Renowned for competitive prices and a convenient online platform, Geico's average annual full coverage rate is about $1,450.

  • Progressive: Progressive offers a variety of customizable policies and boasts an average annual full coverage rate of approximately $1,650.

  • Allstate: Allstate provides a wide range of discounts and maintains strong customer service, with an average premium for full coverage at about $1,700 annually.

  • USAA: Specifically catering to military personnel and their families, USAA offers premium services at competitive rates. Their average annual full coverage premium stands around $1,350.

Quotes, Rates & Agents

Car insurance quotes provide an estimate of the cost of a policy with a particular insurer. These quotes can vary considerably based on an array of factors, such as driving history, the type of vehicle, and desired coverage level.

Rates refer to the actual cost of the insurance policy and can be influenced by many of the same factors that impact quotes. It's important for drivers to compare rates from different insurers to find the most affordable coverage.

Agents play a crucial role in helping you navigate the often complex world of car insurance. They can provide personalized advice, explain various policy options, and potentially negotiate better rates on your behalf. Many Anniston residents prefer working with an agent for the personalized service they offer.

Factors Influencing Insurance Rates in Anniston

Several factors can influence car insurance rates in Anniston, AL:

  • Driving Record: A driver's history plays a crucial role in determining insurance rates. Those with a clean record typically enjoy lower rates, while drivers with a history of accidents or violations usually face higher premiums.

  • Vehicle Type: The make, model, and year of your vehicle can significantly affect insurance costs. Expensive or newer cars usually cost more to insure.

  • Location: Where you live in Anniston can impact your rates. Areas with higher rates of accidents or vehicle theft may come with higher premiums.

  • Age and Gender: Younger and male drivers typically face higher insurance rates due to statistically higher accident rates within these demographics.

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

  • Mileage: The more you drive, the more exposure to risk you have, which can result in higher insurance rates.

Understanding the landscape of car insurance rates in Anniston, AL, requires a comprehensive examination of the top providers, their pricing structures, and the numerous factors influencing these rates. By conducting thorough research and seeking the assistance of insurance agents, drivers can find the best policy to meet their needs and budget.

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

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

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

Anniston Alexandria Oxford Hobson City Weaver West End-Cobb Town
Average Insurance Rates $1,370 $1,447 $1,462 $1,402 $1,431 $1,392

Anniston, 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 Anniston, 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)
Anniston $1,620 $1,369
West End-Cobb Town $1,920 $1,622
Saks $1,539 $1,300
Hobson City $1,444 $1,220
Oxford $1,088 $919
Alexandria $2,795 $2,361
Weaver $1,808 $1,527
Calhoun County $1,466 $1,238

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

Teenagers in Anniston, 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 $4,445
20 Years $1,760
30 Years $1,356
40 Years $1,305
50 Years $1,208
60 Years $1,225
70 Years $1,426

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

Car owners in Anniston, 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 $2,384 $356
3 Vehicles $3,576 $534
4 Vehicles $4,768 $712

Savings on 2 Vehicles bundle:$356

Savings on 3 Vehicles bundle:$534

Savings on 4 Vehicles bundle:$712

Anniston, 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 Anniston, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Anniston $1,370 $2,429
West End-Cobb Town $1,392 $2,468
Saks $1,422 $2,521
Hobson City $1,402 $2,486
Oxford $1,462 $2,592
Alexandria $1,447 $2,566
Weaver $1,431 $2,537
Calhoun County $1,436 $2,546

Anniston, 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) $1,175
Excellent (740-799) $1,342
Good (670-739) $1,428
Average (580-669) $1,862
Poor (300-579) $2,235

Anniston, 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
Jerry Mccullars Allstate 1027 S Quintard Ave, Anniston, 36201 (256) 237-1100
West Insurance Agency Inc Liberty Mutual Independent 1211 West Hamric Drive, Oxford, 36203 None
Mark Lee Insurance Agency Inc. Nationwide 320 Snow St STE A, Oxford, 36203 (256) 831-8691
Harris Mckay Insurance Travelers 1112 WILMER AVE, ANNISTON, 36201 256-236-0301
Randy Jones & Associates Inc Nationwide 413 Quintard Ave, Anniston, 36201-5751 (256) 237-7508
West Ins Agy Inc Allstate 203 Hamric Dr W, Oxford, 36203 (205) 831-0205
Jay Barker Agency Allstate 3000 Eagle Pt Corp Dr Ste 5, Birmingham, 35242 (205) 995-4014
Chester Lewis State Farm 16641 Highway 280 Ste 300, Chelsea, 35043-8354 205-678-0200
Leo Blankenship Nationwide 2025 Center Point Pkwy, Birmingham, 35215-4619 (205) 854-1606
Bill Ward State Farm 1329 Quintard Ave, Anniston, 36201-4619 256-236-1966
Allan Girardea State Farm 7129 Gadsden Hwy Ste 209, Trussville, 35173-1669 205-661-3420
Steve Frantz State Farm 112 N Chalkville Rd, Trussville, 35173-1333 205-661-0221

Anniston, 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 +$60 $1,430
Driver's Failure In Showing Documents +$133 $1,503
Driving With An Expired Registration +$141 $1,511
Driving At A Considerably Slow Pace +$297 $1,667
Using A Cellphone While Driving +$314 $1,684
Running A Red Light +$319 $1,689
Speeding +$336 $1,706
Driving A Vehicle Without The Required Permission +$426 $1,796
Driving With An Expired/Suspended License +$923 $2,293

Anniston, 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 $1,315
Active Disabling Device $1,315
Tracking Device $1,288
Passive Disabling Device $1,274

Latest Auto Insurance Reviews in Anniston, AL | Back to Top

State Farm
Recently we had a great experience with State Farm's customer service. Our car over heated and we had to get it towed and they reimbursed us.
The deductible of my car insurance company is a pretty good rate when comparing it to that of other car insurance companies out there.
The customer service is also the one I wrote about in the first question, but I will go ahead and continue on with a review for them, because that's how much I believe and trust in them.
Customer service called quite a few times, but they were alwasy polite and willing to help with whatever I needed.
Customer service called quite a few times, but they were alwasy polite and willing to help with whatever I needed.
Liberty Mutual
The premium provided by this company is satisfied for me because when compared to other companies it provider higher premium.
National General
my insurance company too good in communication level and their approach quite awesome
State Farm
The premium with my current provider is much better than other local insurance providers. I find it much easier to afford my insurance having switched, as it is relatively cheap compared to my previous plan.
The money that they saved me really adds up. I have 2 vehicles insured with them and they gave me a discount for having them both with them. Their staff is courteous and tries to save you money. Very happy with them.