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

Ashland, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Ashland, 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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Ashland, AL Car Insurance Rates: A Comprehensive Local Study

Ashland, Alabama, renowned for its warm, southern charm and tight-knit community, has a wide array of car insurance providers offering varying rates to its residents. This article will discuss the top competitors, their prices, and factors affecting the insurance rates in Ashland, Alabama.

Top Competitors and their Prices

Several well-established insurance providers service the city of Ashland, offering comprehensive and competitively priced packages:

  • State Farm: As a top insurance provider nationally, State Farm extends its services to Ashland with average annual rates hovering around $1,220.

  • Geico: Known for its cost-effective packages, Geico's average annual rate for Ashland residents is around $1,170.

  • Allstate: Offering numerous coverage options, Allstate's average annual rate in Ashland is approximately $1,320.

  • Progressive: Progressive, known for its customizable policies, offers an average annual rate of about $1,270 in Ashland.

  • Liberty Mutual: Popular for its array of benefits and discounts, Liberty Mutual presents an average annual rate of about $1,300.

These are estimated averages and could vary based on factors such as the insured's driving history, age, and vehicle type.

Quotes, Rates, and Agents

Car insurance is a fiercely competitive industry in Ashland, with prices varying across providers. Quotes given by companies depend on their unique risk assessment algorithms and the agent's understanding of the customer's requirements.

Insurance agents are pivotal in this process. They serve as the face of the insurance companies and represent them in negotiations with clients. Agents in Ashland use their understanding of the local dynamics to customize policies to clients' needs, explaining the finer details and helping clients choose the most suitable policy.

Factors Influencing Car Insurance Rates in Ashland

Several factors influence car insurance rates in Ashland:

  • Driving Record: Insurers offer lower premiums to drivers with a clean driving record compared to those with a history of accidents or violations.

  • Vehicle Type: The make, model, and age of a vehicle affect the insurance cost. Typically, newer, high-end cars cost more to insure than older, less expensive models.

  • Demographics: Factors such as age, gender, and marital status play a role in determining insurance rates. For instance, younger, single, male drivers usually pay higher rates.

  • Location: Areas with high traffic density and accident rates often have higher insurance premiums. Additionally, the rate of vehicle thefts in an area can influence the rates.

  • Credit Score: Many insurers use credit scores as a measure of a driver's responsibility and risk, affecting the rate offered.

  • Coverage and Deductibles: The level of coverage selected and the chosen deductible directly impact the premium. Opting for more coverage and lower deductibles typically results in higher premiums.

  • Local Regulations: State and local laws can affect insurance costs. Alabama, including Ashland, mandates a minimum level of liability insurance for all drivers.

Car insurance in Ashland, AL, is influenced by a variety of factors, and rates can differ significantly among providers. It's advisable to explore different options, understand your insurance needs, and consult with an experienced insurance agent to find the policy that best fits your circumstances. Whether you're new to Ashland or a long-time resident, periodically reassessing your car insurance needs can ensure you get the most value for your money.

Factors that can influence the cost of car insurance in Ashland, 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.

Ashland, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Ashland, AL with that of other cities in and around Ashland.

Ashland Lineville Clay County Goldville Wadley Millerville
Average Insurance Rates $1,408 $1,436 $1,413 $1,733 $1,408 $1,340

Ashland, 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 Ashland, 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)
Ashland $1,433 $1,210
Clay County $1,529 $1,291
Millerville $2,577 $2,177
Goldville $1,785 $1,508
Lineville $1,247 $1,054
Millerville-Hollins $1,483 $1,253
Wadley $1,523 $1,287
New Site $1,481 $1,251

Ashland, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Ashland, 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 $4,569
20 Years $1,809
30 Years $1,393
40 Years $1,341
50 Years $1,242
60 Years $1,259
70 Years $1,465

Ashland, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Ashland, 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 $2,422 $394
3 Vehicles $3,633 $591
4 Vehicles $4,844 $788

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$788

Ashland, 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 Ashland, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Ashland $1,408 $2,496
Clay County $1,413 $2,505
Millerville $1,340 $2,376
Goldville $1,733 $3,073
Lineville $1,436 $2,546
Millerville-Hollins $1,371 $2,431
Wadley $1,408 $2,496
New Site $1,412 $2,504

Ashland, 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) $1,208
Excellent (740-799) $1,379
Good (670-739) $1,467
Average (580-669) $1,914
Poor (300-579) $2,297

Ashland, 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
Wright-Sprayberry Ins Llc Travelers 120 COURT SQUARE, ASHLAND, 36251 256-354-4100
Scott Pellowski State Farm 7420 Parkway Dr Ste 108, Leeds, 35094-4818 205-699-5139
Adamson Insurance Agency None 88861 Hiway 9, Lineville, 35266 None
Alex Aycock State Farm 8028 Parkway Dr, Leeds, 35094-2209 205-699-8227
Donny Fulmer State Farm 1935 Courson Ct, Leeds, 35094-7510 205-699-7286
Daughtry Ins Agency Inc Nationwide 105 N 10th St STE A, Opelika, 36801-4300 (334) 741-9979
Mb Financial Services Inc Travelers 800 MARTIN ST S, PELL CITY, 35128 205-884-2265

Ashland, 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 +$62 $1,470
Driver's Failure In Showing Documents +$137 $1,545
Driving With An Expired Registration +$145 $1,553
Driving At A Considerably Slow Pace +$306 $1,714
Using A Cellphone While Driving +$322 $1,730
Running A Red Light +$328 $1,736
Speeding +$345 $1,753
Driving A Vehicle Without The Required Permission +$438 $1,846
Driving With An Expired/Suspended License +$949 $2,357

Ashland, 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 $1,352
Active Disabling Device $1,352
Tracking Device $1,324
Passive Disabling Device $1,309