Ardmore, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ardmore, 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.
Unlocking the Secrets of Car Insurance Rates in Ardmore, AL
Car insurance rates can often feel like a complex puzzle for many drivers. The key to unlocking this puzzle lies in understanding the dynamics of local insurance marketplaces. In this article, we explore the car insurance scene in Ardmore, Alabama, diving into the top competitors, their offered prices, the roles of quotes, rates, and agents, and the major factors that influence insurance rates in this city.
Competitors and Their Prices
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State Farm: A powerhouse in the insurance industry, State Farm's average annual rate for full coverage in Ardmore stands at around $1,600.
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Geico: With competitive prices and an easy-to-navigate online platform, Geico's average annual rate for full coverage is about $1,500.
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Progressive: Known for policy customization options, Progressive's average annual full coverage rate is approximately $1,650.
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Allstate: Offering a variety of discounts and reliable customer service, Allstate's average annual premium for full coverage is around $1,700.
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USAA: Exclusively serving military members and their families, USAA's average annual full coverage premium is about $1,350.
Quotes, Rates & Agents
Insurance quotes provide an estimate of what you can expect to pay for a policy. They can vary widely among providers, based on various factors such as driving history, type of vehicle, and desired coverage level.
Rates refer to the actual cost of your insurance policy, influenced by the same factors as quotes. It's crucial to compare rates from different providers to find the most cost-effective coverage.
Insurance agents play an essential role in helping drivers navigate the complexities of car insurance. They can provide personalized advice, help explain the different coverage options, and possibly negotiate better rates. In Ardmore, many residents appreciate the personalized touch offered by local agents.
Factors Influencing Insurance Rates in Ardmore, AL
Several factors affect car insurance rates in Ardmore, including:
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Driving Record: A clean driving record can significantly reduce your insurance rates, while a history of accidents or violations can lead to higher premiums.
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Vehicle Type: The make, model, and age of your vehicle can impact your rates. Typically, more expensive or newer cars come with higher insurance premiums due to higher repair or replacement costs.
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Location: Rates can be higher in areas of Ardmore with a higher incidence of vehicle theft or accidents.
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Age and Gender: Younger and male drivers often face higher insurance rates due to statistically higher risk.
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Credit Score: Many insurers use credit scores as a risk indicator. Lower credit scores often result in higher premiums.
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Mileage: Higher annual mileage can result in higher insurance rates due to increased exposure to risk.
By understanding these factors and diligently comparing quotes from different providers, you can unlock the secrets of car insurance rates in Ardmore, AL. This knowledge will enable you to find a policy that provides the coverage you need at a price you can afford.
Factors that can influence the cost of car insurance in Ardmore, 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.
- Ardmore, AL Auto Insurance Rates
- Ardmore, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ardmore, AL
- Multi Vehicle Insurance Savings in Ardmore, AL
- How Credit Score Affects Car Insurance Rates in Ardmore, AL
- How DUI Affects Auto Insurance Premiums in Ardmore, AL
- Top Auto Insurance Agents Near Ardmore, AL
- How Driving Violations Affect Auto Insurance Rates in Ardmore, AL
- Ardmore, AL Auto Insurance Discounts on Anti Theft Feature
Ardmore, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ardmore, AL with that of other cities in and around Ardmore.
| Ardmore | Madison Crossroads | Limestone County | Harvest | Athens | Ardmore | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,435 | $1,440 | $1,476 | $1,480 | $1,385 | $1,419 |
Ardmore, 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 Ardmore, 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) |
|---|---|---|
| Ardmore | $1,174 | $992 |
| Ardmore | $1,462 | $1,235 |
| Elkton | $1,542 | $1,302 |
| Madison Crossroads | $1,490 | $1,259 |
| Elkmont | $2,172 | $1,835 |
| Harvest | $1,466 | $1,238 |
| Athens | $1,147 | $969 |
| Limestone County | $2,542 | $2,147 |
Ardmore, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ardmore, 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 | $4,656 |
| 20 Years | $1,844 |
| 30 Years | $1,420 |
| 40 Years | $1,366 |
| 50 Years | $1,265 |
| 60 Years | $1,283 |
| 70 Years | $1,493 |
Ardmore, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ardmore, 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 | $2,440 | $431 |
| 3 Vehicles | $3,659 | $646 |
| 4 Vehicles | $4,879 | $861 |
Savings on 2 Vehicles bundle:$431
Savings on 3 Vehicles bundle:$646
Savings on 4 Vehicles bundle:$861
Ardmore, 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 Ardmore, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ardmore | $1,435 | $2,544 |
| Ardmore | $1,419 | $2,542 |
| Elkton | $1,447 | $2,592 |
| Madison Crossroads | $1,440 | $2,553 |
| Elkmont | $1,458 | $2,585 |
| Harvest | $1,480 | $2,624 |
| Athens | $1,385 | $2,456 |
| Limestone County | $1,476 | $2,617 |
Ardmore, 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) | $1,231 |
| Excellent (740-799) | $1,405 |
| Good (670-739) | $1,495 |
| Average (580-669) | $1,951 |
| Poor (300-579) | $2,341 |
Ardmore, 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 |
|---|---|---|---|
| Jeff Knight | Allstate | 7185 Highway 72 W Ste B, Madison, 35758 | (256) 722-3909 |
| Michael Howell | State Farm | 903 S Clinton St, Athens, 35611-3562 | 256-232-5400 |
| Eddie Breakfield | State Farm | 114 N Marion St, Athens, 35611-2538 | 256-232-1238 |
| Scott Howell & Associates Inc | Nationwide | 1114 Hwy 31 S STE E, Athens, 35611-4471 | (256) 444-2041 |
| David Perkins | State Farm | 11156 County Line Rd Ste D, Madison, 35756-5403 | 256-325-3080 |
| North Alabama Insurance Agency | Travelers | 30484 ARDMORE AVENUE, ARDMORE, 35739 | 256-423-2141 |
| Pepper Johnstone & Co Inc | Travelers | 122 W. Market St., Athens, 35611 | (256) 444-3191 |
| David Gillies Jr | Farmers | 7535 Wall Triana Hwy Ste I, Madison, 35757 | (256) 829-8160 |
| Jason Zarrilli | GEICO | 7595 Highway 72 West, Madison, 35758 | 256-837-0551 |
| Becky L. Gordon | Allstate | 7771 Highway 72 W Ste A, Madison, 35758 | (256) 430-0477 |
| Dallas Davis-Graydon | Nationwide | 1807 Slaughter Rd. Ste A, Madison, 35758-8695 | (256) 716-1307 |
Ardmore, 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 | +$63 | $1,498 |
| Driver's Failure In Showing Documents | +$139 | $1,574 |
| Driving With An Expired Registration | +$148 | $1,583 |
| Driving At A Considerably Slow Pace | +$311 | $1,746 |
| Using A Cellphone While Driving | +$329 | $1,764 |
| Running A Red Light | +$334 | $1,769 |
| Speeding | +$352 | $1,787 |
| Driving A Vehicle Without The Required Permission | +$446 | $1,881 |
| Driving With An Expired/Suspended License | +$967 | $2,402 |
Ardmore, 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 | $1,378 |
| Active Disabling Device | $1,378 |
| Tracking Device | $1,349 |
| Passive Disabling Device | $1,335 |