Argo, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Argo, 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.
Cheapest Car Insurance in Argo, AL
Car insurance is an essential part of owning a car. It protects you financially in case of an accident or other damage to your car. In Alabama, car insurance is required by law. There are many reasons to have car insurance. If you are in an accident, your insurance will pay for the damages to your car. If your car is stolen, your insurance will pay for the replacement cost of your car. Your insurance will pay for the repairs if you damage someone else's property. Car insurance is also important for protecting yourself financially. If you are sued for damages in an accident, your insurance will pay for your legal expenses. If you are found at fault in an accident, your insurance will pay for the other driver's medical expenses. Without car insurance, you would be responsible for all these costs. Car insurance is a necessary expense for all car owners.
The average cost of car insurance in Argo, AL, is $1,503. The driver's age, the deductible, the history of claims, any DUI convictions, the driver's gender, and many other variables affect how much vehicle insurance costs in Argo, Alabama. Zimlon, through its research, has shed light on the significant factors that car owners must know while considering car insurance in Argo, AL.
Car insurance Rates Based on the Age of the Driver
Car insurance rates in Argo, AL, can vary based on the driver's age. For example, a 20-year-old driver may pay a higher rate than a 30-year-old driver. This is because younger drivers are considered to be more of a risk by insurance companies. They are more likely to be involved in accidents and make insurance claims. In Argo, Alabama, teenagers pay $4,877 for auto insurance. In contrast, skilled drivers in Argo, Alabama, who are 30 and 40 years old, pay $1,487 and $1,431 in premiums, respectively.
Car Insurance Rates Post-DUI
If you've been arrested for driving under the influence (DUI) in Argo, AL, your car insurance rates will likely go up. DUI is a major violation of most auto insurance policies, and insurers will typically surcharge your rates for three to five years after a DUI conviction. The surcharge amount will vary depending on the insurer, but rates are not uncommon to increase by 30% or more. In some cases, insurers will cancel your policy altogether. If you're lucky enough to find a new policy, it will probably be at a much higher premium. For instance, the average car insurance price in Argo, Alabama, is $1,503. Insurance after a DUI costs $2,665. The average auto insurance premiums in Argo, AL, will increase by $1162 if the vehicle owner is found guilty of DUI.
Car Insurance Rates Based on Credit History
Argo, AL drivers with exceptional credit scores, pay $1,290 toward their auto insurance, while those with poor credit must pay $2,452 for the same coverage. This rate difference is due to the fact that insurance companies use credit history to determine risk. Drivers with good credit are considered less risky and are therefore offered lower rates. On the other hand, drivers with bad credit are seen as a higher risk and are therefore charged higher rates. If you're looking to save money on car insurance, one of the best things you can do is make sure your credit score is as high as possible. By doing this, you'll be sure to get the best rates possible.
Factors that can influence the cost of car insurance in Argo, 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.
- Argo, AL Auto Insurance Rates
- Argo, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Argo, AL
- Multi Vehicle Insurance Savings in Argo, AL
- How Credit Score Affects Car Insurance Rates in Argo, AL
- How DUI Affects Auto Insurance Premiums in Argo, AL
- Top Auto Insurance Agents Near Argo, AL
- How Driving Violations Affect Auto Insurance Rates in Argo, AL
- Argo, AL Auto Insurance Discounts on Anti Theft Feature
Argo, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Argo, AL with that of other cities in and around Argo.
| Argo | Grayson Valley | Trussville | Springville | Clay | Moody | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,503 | $1,448 | $1,575 | $1,480 | $1,502 | $1,478 |
Argo, 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 Argo, 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) |
|---|---|---|
| Argo | $1,107 | $935 |
| Margaret | $1,520 | $1,284 |
| Clay | $1,261 | $1,065 |
| Odenville | $2,839 | $2,398 |
| Springville | $2,001 | $1,690 |
| Trussville | $1,618 | $1,367 |
| Moody | $2,853 | $2,410 |
| Grayson Valley | $1,499 | $1,266 |
Argo, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Argo, 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 | $4,877 |
| 20 Years | $1,931 |
| 30 Years | $1,487 |
| 40 Years | $1,431 |
| 50 Years | $1,325 |
| 60 Years | $1,344 |
| 70 Years | $1,564 |
Argo, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Argo, 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 | $2,615 | $391 |
| 3 Vehicles | $3,923 | $586 |
| 4 Vehicles | $5,230 | $782 |
Savings on 2 Vehicles bundle:$391
Savings on 3 Vehicles bundle:$586
Savings on 4 Vehicles bundle:$782
Argo, 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 Argo, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Argo | $1,503 | $2,665 |
| Margaret | $1,471 | $2,608 |
| Clay | $1,502 | $2,663 |
| Odenville | $1,470 | $2,606 |
| Springville | $1,480 | $2,624 |
| Trussville | $1,575 | $2,793 |
| Moody | $1,478 | $2,621 |
| Grayson Valley | $1,448 | $2,567 |
Argo, 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) | $1,290 |
| Excellent (740-799) | $1,472 |
| Good (670-739) | $1,566 |
| Average (580-669) | $2,043 |
| Poor (300-579) | $2,452 |
Argo, 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 |
|---|---|---|---|
| Jerri Burnett | State Farm | 2725 Moody Pkwy, Moody, 35004-3152 | 205-640-1819 |
| Lamar Yarbrough | Allstate | 6421 S Chalkville Rd, Trussville, 35173 | (205) 655-5820 |
| Crawford-Skinner Agency | Travelers | 6412 US HIGHWAY 11, SPRINGVILLE, 35146 | 205-467-6777 |
| Chuck Burns | Allstate | 5451 Chalkville Rd, Birmingham, 35235 | (205) 856-9022 |
| John Saddler | Allstate | 1445 Ashville Rd, Leeds, 35094 | (205) 699-4263 |
| Baxley Agency | None | P.O. Box 104, Clay, 35048 | None |
| Dave Smith Services, Inc. | None | 9025 4Th Ave, Birmingham, 35206 | None |
| Brian Worley | State Farm | 1000 Plantation Pkwy Ste 100, Moody, 35004-3044 | 205-640-1000 |
| Trammel-Harper-Williams Inc | Travelers | 7129 GADSDEN HWY STE 207, TRUSSVILLE, 35173 | 205-655-4600 |
| Robert Hodges | State Farm | 9721 Parkway E Ste D, Birmingham, 35215-7858 | 205-836-7234 |
| Briggs Insurance Agency Inc | Liberty Mutual Independent | 5245 OLD SPRINGVILLE RD, PINSON, 35126 | (205) 853-8303 |
Argo, 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 | +$66 | $1,569 |
| Driver's Failure In Showing Documents | +$146 | $1,649 |
| Driving With An Expired Registration | +$155 | $1,658 |
| Driving At A Considerably Slow Pace | +$326 | $1,829 |
| Using A Cellphone While Driving | +$344 | $1,847 |
| Running A Red Light | +$350 | $1,853 |
| Speeding | +$368 | $1,871 |
| Driving A Vehicle Without The Required Permission | +$467 | $1,970 |
| Driving With An Expired/Suspended License | +$1,013 | $2,516 |
Argo, 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 | $1,443 |
| Active Disabling Device | $1,443 |
| Tracking Device | $1,413 |
| Passive Disabling Device | $1,398 |