Ariton, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ariton, 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.
Your Guide to Car Insurance Rates in Ariton, AL: A Local Study
Navigating the world of car insurance can be challenging, but with a thorough understanding of local rates, key competitors, and various factors at play, drivers can make more informed decisions about their coverage. This article delves into the car insurance landscape in Ariton, Alabama, focusing on the top competitors, their prices, the critical role of quotes, rates, and agents, and the main factors influencing insurance rates in the city.
Competitors and Their Prices
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State Farm: State Farm is recognized for its comprehensive coverage and exceptional customer service. In Ariton, AL, the average annual rate for full coverage stands at around $1,570.
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Geico: Known for competitive pricing and easy-to-use digital platforms, Geico's average annual rate for full coverage in Ariton is approximately $1,460.
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Progressive: With a variety of policy options, Progressive's average annual rate for full coverage is about $1,650.
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Allstate: Offering diverse discounts and reliable customer service, Allstate’s average annual premium for full coverage in Ariton is approximately $1,720.
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USAA: A choice insurer for military personnel and their families, USAA offers quality services at an average annual full coverage premium of around $1,340.
Quotes, Rates & Agents
Insurance quotes are cost estimates provided by insurance companies based on specific details like the driver's history, the vehicle type, and the coverage level. These quotes can vary significantly among providers.
The rate refers to the actual cost of your policy. Understanding the different factors that influence rates is key to finding the best possible insurance deal.
Insurance agents are valuable resources in the insurance landscape. They can offer personalized guidance, explain various policy options, and can often negotiate better rates. The value of a local, knowledgeable agent is particularly evident in Ariton, where the personalized attention of these professionals can greatly aid in finding the best policy.
Factors Influencing Insurance Rates in Ariton, AL
Several factors influence the cost of car insurance rates in Ariton:
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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 vehicle can significantly affect insurance costs. More expensive or newer cars usually come with higher insurance premiums.
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Location: Residents in parts of Ariton with higher incidences of vehicle theft or accidents may face higher insurance rates.
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Age and Gender: Younger drivers, particularly males, are statistically more likely to be involved in accidents, leading to higher insurance premiums.
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Credit Score: Insurers often use credit scores as an indicator of risk. A lower credit score can lead to 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.
Understanding car insurance rates in Ariton, AL, requires an exploration of the top providers, their pricing, and the factors that shape 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 Ariton, 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.
- Ariton, AL Auto Insurance Rates
- Ariton, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ariton, AL
- Multi Vehicle Insurance Savings in Ariton, AL
- How Credit Score Affects Car Insurance Rates in Ariton, AL
- How DUI Affects Auto Insurance Premiums in Ariton, AL
- Top Auto Insurance Agents Near Ariton, AL
- How Driving Violations Affect Auto Insurance Rates in Ariton, AL
- Ariton, AL Auto Insurance Discounts on Anti Theft Feature
Ariton, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ariton, AL with that of other cities in and around Ariton.
| Ariton | Blue Springs | Fort Rucker | Brundidge | Ozark | Victoria | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,430 | $1,389 | $1,962 | $1,398 | $1,436 | $1,429 |
Ariton, 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 Ariton, 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) |
|---|---|---|
| Ariton | $1,319 | $1,114 |
| Ozark | $1,505 | $1,271 |
| Brundidge | $1,676 | $1,415 |
| Clio | $1,437 | $1,214 |
| Victoria | $1,480 | $1,250 |
| Dale County | $1,137 | $960 |
| Blue Springs | $1,334 | $1,127 |
| Fort Rucker | $2,021 | $1,707 |
Ariton, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ariton, 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 | $4,640 |
| 20 Years | $1,837 |
| 30 Years | $1,415 |
| 40 Years | $1,362 |
| 50 Years | $1,261 |
| 60 Years | $1,279 |
| 70 Years | $1,488 |
Ariton, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ariton, 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 | $2,460 | $400 |
| 3 Vehicles | $3,689 | $601 |
| 4 Vehicles | $4,919 | $801 |
Savings on 2 Vehicles bundle:$400
Savings on 3 Vehicles bundle:$601
Savings on 4 Vehicles bundle:$801
Ariton, 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 Ariton, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ariton | $1,430 | $2,535 |
| Ozark | $1,436 | $2,546 |
| Brundidge | $1,398 | $2,479 |
| Clio | $1,395 | $2,473 |
| Victoria | $1,429 | $2,534 |
| Dale County | $1,433 | $2,541 |
| Blue Springs | $1,389 | $2,463 |
| Fort Rucker | $1,962 | $3,479 |
Ariton, 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) | $1,227 |
| Excellent (740-799) | $1,401 |
| Good (670-739) | $1,490 |
| Average (580-669) | $1,944 |
| Poor (300-579) | $2,332 |
Ariton, 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 |
|---|---|---|---|
| Jenna Mack | State Farm | 209 N Us Highway 231, Ozark, 36360-4865 | 334-774-2020 |
| Trustway Insurance | Allstate | 141 Troy Plaza Loop, Troy, 36081 | (334) 807-0056 |
| Witherington Ins Agency Inc | Liberty Mutual Independent | 1200 ELBA HWY, TROY, 36079 | 334-566-1477 |
| Circle Insurance Agency Inc | Travelers | 863 ANDREWS AVE, OZARK, 36360 | 334-774-7177 |
| Insurance Solutions | Allstate | 1332 S Brundidge St, Troy, 36081 | None |
| Bob Elia | State Farm | 1114 Andrews Ave, Ozark, 36360-3710 | 334-774-2557 |
Ariton, 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 | $1,493 |
| Driver's Failure In Showing Documents | +$139 | $1,569 |
| Driving With An Expired Registration | +$147 | $1,577 |
| Driving At A Considerably Slow Pace | +$310 | $1,740 |
| Using A Cellphone While Driving | +$327 | $1,757 |
| Running A Red Light | +$333 | $1,763 |
| Speeding | +$350 | $1,780 |
| Driving A Vehicle Without The Required Permission | +$445 | $1,875 |
| Driving With An Expired/Suspended License | +$964 | $2,394 |
Ariton, 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 | $1,373 |
| Active Disabling Device | $1,373 |
| Tracking Device | $1,344 |
| Passive Disabling Device | $1,330 |