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.
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
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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.
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Geico: Known for competitive pricing and easy-to-use digital platforms, Geico has an average annual rate of approximately $1,500 for full coverage.
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Progressive: Offering a wealth of policy customization options, Progressive's average annual rate for full coverage is about $1,700.
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Allstate: Noted for its comprehensive discounts and quality customer service, Allstate’s average annual premium for full coverage is approximately $1,800.
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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:
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Driving Record: Drivers with clean records usually enjoy lower rates, while those with a history of accidents or traffic violations typically face higher premiums.
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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.
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Location: Residents in parts of Arab with higher incidences of vehicle theft or accidents may face higher insurance rates.
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Age and Gender: Statistically, younger drivers, particularly males, are more likely to be involved in accidents, leading to higher insurance premiums.
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Credit Score: Many insurers use credit scores as an indicator of risk. A lower credit score often results in higher premiums.
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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 Rates
- Arab, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Arab, AL
- Multi Vehicle Insurance Savings in Arab, AL
- How Credit Score Affects Car Insurance Rates in Arab, AL
- How DUI Affects Auto Insurance Premiums in Arab, AL
- Top Auto Insurance Agents Near Arab, AL
- How Driving Violations Affect Auto Insurance Rates in Arab, AL
- Arab, AL Auto Insurance Discounts on Anti Theft Feature
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 |