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

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.

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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

  • 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.

  • 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.

  • Progressive: With a variety of policy options, Progressive's average annual rate for full coverage is about $1,650.

  • Allstate: Offering diverse discounts and reliable customer service, Allstate’s average annual premium for full coverage in Ariton is approximately $1,720.

  • 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:

  • 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 vehicle can significantly affect insurance costs. More expensive or newer cars usually come with higher insurance premiums.

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

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

  • Credit Score: Insurers often use credit scores as an indicator of risk. A lower credit score can lead to higher premiums.

  • 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 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