Arley, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Arley, 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.
Arley, AL Car Insurance Rates: An In-Depth Analysis
Understanding the factors that impact car insurance rates can empower drivers to make informed decisions and get the best coverage for their needs. This article presents a detailed analysis of car insurance rates in Arley, Alabama, highlighting the top competitors, their prices, the roles of quotes, rates, and agents, and the primary factors influencing these rates in the city.
Competitors and Their Prices
-
State Farm: Known for their excellent coverage options and customer service, State Farm's average annual rate for full coverage in Arley is approximately $1,560.
-
Geico: Renowned for competitive pricing and an intuitive online platform, Geico's average annual rate for full coverage is around $1,450.
-
Progressive: Progressive offers customizable policies, with an average annual rate for full coverage in Arley around $1,640.
-
Allstate: With a range of discounts and reliable customer service, Allstate's average annual full coverage premium stands at about $1,710.
-
USAA: Serving military personnel and their families, USAA offers an average annual full coverage premium of approximately $1,330.
Quotes, Rates & Agents
Insurance quotes provide a ballpark figure of what you can expect to pay for a policy. These quotes can vary widely among providers based on various factors such as driving history, vehicle type, and coverage level.
The actual cost of your insurance policy is referred to as the rate, influenced by many of the same factors as quotes. Comparing rates from different providers is crucial in finding the most affordable coverage.
Insurance agents play a pivotal role in helping drivers navigate the car insurance landscape. They can offer personalized advice, explain the intricacies of different coverage options, and possibly negotiate better rates. In Arley, many residents prefer the personalized touch offered by local agents.
Factors Influencing Insurance Rates in Arley, AL
Several elements affect car insurance rates in Arley:
-
Driving Record: A clean driving record can significantly reduce your insurance rates, while a history of accidents or violations can increase your premiums.
-
Vehicle Type: The make, model, and age of your vehicle can impact your rates. More expensive or newer cars typically carry higher insurance premiums due to the increased cost of repair or replacement.
-
Location: Rates can be higher in areas of Arley with a higher incidence of vehicle theft or accidents.
-
Age and Gender: Statistically, younger drivers, particularly males, have higher insurance rates due to their elevated risk of accidents.
-
Credit Score: Many insurance companies use credit scores as an indicator of risk, with lower scores often leading to higher premiums.
-
Mileage: If you drive more miles annually, your insurance rates may be higher due to the increased risk of accidents.
Understanding car insurance rates in Arley, AL involves an in-depth look at top providers, their pricing structures, and the factors influencing these rates. By diligently comparing quotes from different providers and utilizing the expertise of insurance agents, drivers can find the best policy that fits their budget and coverage needs.
Factors that can influence the cost of car insurance in Arley, 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.
- Arley, AL Auto Insurance Rates
- Arley, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Arley, AL
- Multi Vehicle Insurance Savings in Arley, AL
- How Credit Score Affects Car Insurance Rates in Arley, AL
- How DUI Affects Auto Insurance Premiums in Arley, AL
- Top Auto Insurance Agents Near Arley, AL
- How Driving Violations Affect Auto Insurance Rates in Arley, AL
- Arley, AL Auto Insurance Discounts on Anti Theft Feature
Arley, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Arley, AL with that of other cities in and around Arley.
| Arley | Manchester | Winston County | Addison | Crane Hill | Double Springs | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,425 | $1,416 | $1,406 | $1,440 | $1,496 | $1,389 |
Arley, 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 Arley, 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) |
|---|---|---|
| Arley | $1,269 | $1,072 |
| Addison | $1,483 | $1,253 |
| Crane Hill | $2,887 | $2,439 |
| Double Springs | $1,600 | $1,351 |
| Winston County | $1,228 | $1,037 |
| Manchester | $1,263 | $1,067 |
| Sipsey | $1,680 | $1,419 |
| Jones Chapel | $1,462 | $1,235 |
Arley, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Arley, 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 | $4,624 |
| 20 Years | $1,831 |
| 30 Years | $1,410 |
| 40 Years | $1,357 |
| 50 Years | $1,257 |
| 60 Years | $1,274 |
| 70 Years | $1,483 |
Arley, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Arley, 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 | $2,451 | $399 |
| 3 Vehicles | $3,677 | $599 |
| 4 Vehicles | $4,902 | $798 |
Savings on 2 Vehicles bundle:$399
Savings on 3 Vehicles bundle:$599
Savings on 4 Vehicles bundle:$798
Arley, 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 Arley, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Arley | $1,425 | $2,527 |
| Addison | $1,440 | $2,553 |
| Crane Hill | $1,496 | $2,652 |
| Double Springs | $1,389 | $2,463 |
| Winston County | $1,406 | $2,493 |
| Manchester | $1,416 | $2,511 |
| Sipsey | $1,406 | $2,493 |
| Jones Chapel | $1,432 | $2,539 |
Arley, 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) | $1,223 |
| Excellent (740-799) | $1,396 |
| Good (670-739) | $1,485 |
| Average (580-669) | $1,937 |
| Poor (300-579) | $2,324 |
Arley, 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 |
|---|---|---|---|
| Anthony Christian | State Farm | 4505 Highway 78 E Ste 50, Jasper, 35501-8883 | 205-295-9600 |
| Shoreline Aviation Insurance | None | 148 Biddle Drive , Jasper, 35503 | None |
| Charles Hill | State Farm | 1302 Highway 78 E, Jasper, 35501-3965 | 205-384-4900 |
| O Rickey Harris | Nationwide | 806 W Highway 78, Jasper, 35501 | (205) 221-5466 |
| Brian Wiggins | State Farm | 8871 Madison Blvd Ste A, Madison, 35758-1807 | 256-772-8407 |
| Wendy Hall | Allstate | 2701 Highway 31 S, Decatur, 35603 | (256) 351-7100 |
| Byars-Wright Inc | Travelers | 1700 4TH AVE, JASPER, 35209 | None |
| Knight Insurance Agency Inc | Liberty Mutual Independent | 815 BRADLEY ST SW, DECATUR, 35601 | 256-350-8139 |
| Steve Frantz | State Farm | 112 N Chalkville Rd, Trussville, 35173-1333 | 205-661-0221 |
| Jack Traffanstedt | State Farm | 308 Montgomery Hwy, Vestavia, 35216-1804 | 205-823-3370 |
Arley, 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 | $1,488 |
| Driver's Failure In Showing Documents | +$138 | $1,563 |
| Driving With An Expired Registration | +$147 | $1,572 |
| Driving At A Considerably Slow Pace | +$309 | $1,734 |
| Using A Cellphone While Driving | +$326 | $1,751 |
| Running A Red Light | +$332 | $1,757 |
| Speeding | +$349 | $1,774 |
| Driving A Vehicle Without The Required Permission | +$443 | $1,868 |
| Driving With An Expired/Suspended License | +$960 | $2,385 |
Arley, 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 | $1,368 |
| Active Disabling Device | $1,368 |
| Tracking Device | $1,340 |
| Passive Disabling Device | $1,325 |