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.
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:
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State Farm: As a top insurance provider nationally, State Farm extends its services to Ashland with average annual rates hovering around $1,220.
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Geico: Known for its cost-effective packages, Geico's average annual rate for Ashland residents is around $1,170.
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Allstate: Offering numerous coverage options, Allstate's average annual rate in Ashland is approximately $1,320.
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Progressive: Progressive, known for its customizable policies, offers an average annual rate of about $1,270 in Ashland.
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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:
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Driving Record: Insurers offer lower premiums to drivers with a clean driving record compared to those with a history of accidents or violations.
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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.
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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.
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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.
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Credit Score: Many insurers use credit scores as a measure of a driver's responsibility and risk, affecting the rate offered.
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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.
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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 Rates
- Ashland, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ashland, AL
- Multi Vehicle Insurance Savings in Ashland, AL
- How Credit Score Affects Car Insurance Rates in Ashland, AL
- How DUI Affects Auto Insurance Premiums in Ashland, AL
- Top Auto Insurance Agents Near Ashland, AL
- How Driving Violations Affect Auto Insurance Rates in Ashland, AL
- Ashland, AL Auto Insurance Discounts on Anti Theft Feature
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 |