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

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

Zimlon, through its research, found that car owners in Arab, 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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Navigating Car Insurance Rates in Arab, AL: A Local Perspective

Car insurance is an indispensable protection for all vehicle owners. Navigating the rates can be a daunting task, and understanding the local scenario can be an invaluable tool. In this article, we cast our focus on Arab, Alabama, examining the car insurance rates, top competitors, the influence of quotes, rates, and agents, and the key factors that determine these rates.

Competitors and Their Prices

  • State Farm: Renowned for its strong coverage and superior customer service, State Farm’s average annual rate for a full coverage policy in Arab, AL, is around $1,600.

  • Geico: Known for competitive pricing and easy-to-use digital platforms, Geico has an average annual rate of approximately $1,500 for full coverage.

  • Progressive: Offering a wealth of policy customization options, Progressive's average annual rate for full coverage is about $1,700.

  • Allstate: Noted for its comprehensive discounts and quality customer service, Allstate’s average annual premium for full coverage is approximately $1,800.

  • USAA: Primarily catering to military personnel and their families, USAA offers premium services at an average annual full coverage premium of around $1,400.

Quotes, Rates & Agents

Insurance quotes are cost estimates provided by insurance companies based on factors like the driver's history, the vehicle type, and the coverage level. These quotes can vary widely among providers.

The rate refers to the actual cost you pay for the policy. Understanding the various factors that influence rates is crucial for securing the best deal.

Insurance agents are indispensable resources in the insurance landscape. They offer personalized guidance, explain various policy options, and can sometimes negotiate better rates. The value of a local, knowledgeable agent is particularly noticeable in Arab, where many residents value the personalized attention they offer.

Factors Influencing Insurance Rates in Arab, AL

Several factors influence the cost of car insurance rates in Arab, AL:

  • Driving Record: Drivers with clean records usually enjoy lower rates, while those with a history of accidents or traffic violations typically face higher premiums.

  • Vehicle Type: The make, model, and age of a car can significantly impact insurance costs. More expensive or newer cars usually come with higher insurance premiums.

  • Location: Residents in parts of Arab with higher incidences of vehicle theft or accidents may face higher insurance rates.

  • Age and Gender: Statistically, younger drivers, particularly males, are more likely to be involved in accidents, leading to higher insurance premiums.

  • Credit Score: Many insurers use credit scores as an indicator of risk. A lower credit score often results in higher premiums.

  • Mileage: The more you drive each year, the higher your exposure to risk, which could translate to higher insurance rates.

Navigating the car insurance rates in Arab, AL requires an understanding of the top providers, their pricing, and the factors influencing these rates. By comparing quotes from different insurers and utilizing the expertise of insurance agents, drivers can secure the best possible insurance policy that fits their needs and budget.

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

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

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

Arab Guntersville Joppa Baileyton Eva Baileyton-Joppa
Average Insurance Rates $1,456 $1,471 $1,413 $1,432 $1,427 $1,427

Arab, 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 Arab, 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)
Arab $1,500 $1,267
Joppa $1,601 $1,352
Union Grove $1,706 $1,441
Baileyton-Joppa $1,937 $1,636
Baileyton $1,580 $1,335
Marshall County $1,376 $1,162
Guntersville $1,310 $1,107
Eva $1,937 $1,636

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

Teenagers in Arab, 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 $4,724
20 Years $1,871
30 Years $1,441
40 Years $1,386
50 Years $1,284
60 Years $1,302
70 Years $1,515

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

Car owners in Arab, 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 $2,475 $437
3 Vehicles $3,713 $655
4 Vehicles $4,950 $874

Savings on 2 Vehicles bundle:$437

Savings on 3 Vehicles bundle:$655

Savings on 4 Vehicles bundle:$874

Arab, 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 Arab, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Arab $1,456 $2,582
Joppa $1,413 $2,505
Union Grove $1,453 $2,576
Baileyton-Joppa $1,427 $2,530
Baileyton $1,432 $2,539
Marshall County $1,445 $2,562
Guntersville $1,471 $2,608
Eva $1,427 $2,530

Arab, 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) $1,249
Excellent (740-799) $1,426
Good (670-739) $1,517
Average (580-669) $1,979
Poor (300-579) $2,375

Arab, 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
Alan Murphy State Farm 227 Cullman Rd, Arab, 35016-1356 256-586-2644
Karri Willis Agency Inc Travelers 33 GOLFVIEW DR NE, ARAB, 35016 256-586-2442
Michael Higdon Allstate 228 N Brindlee Mountain Pkwy, Arab, 35016 (256) 586-1244
Libby Mays State Farm 1162 N Brindlee Mtn Pkwy, Arab, 35016-1063 256-586-6243
Sonny Batchelor State Farm 2804 Meml Pkwy SW, Huntsville, 35801-5632 256-533-7757
Brad Tank Allstate 1785 Hwy 72 E Ste C, Athens, 35611 (256) 771-7540
Holloway & Hunt Insurance Agency Travelers Po Box 467, Arab, 35016 None
Cale Abernathy Farmers 22270c Us Highway 72, Athens, 35613 (256) 262-9286
Diana Fisher State Farm 1662 Slaughter Rd, Madison, 35758-8610 256-325-7283
Ron Evans Lutcf Farmers 2315 Market Pl SW Ste D, Huntsville, 35801 (256) 489-5051

Arab, 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 +$64 $1,520
Driver's Failure In Showing Documents +$141 $1,597
Driving With An Expired Registration +$150 $1,606
Driving At A Considerably Slow Pace +$316 $1,772
Using A Cellphone While Driving +$333 $1,789
Running A Red Light +$339 $1,795
Speeding +$357 $1,813
Driving A Vehicle Without The Required Permission +$453 $1,909
Driving With An Expired/Suspended License +$981 $2,437

Arab, 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 $1,398
Active Disabling Device $1,398
Tracking Device $1,369
Passive Disabling Device $1,354