Ashville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Ashville, 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.
Uncovering Car Insurance Rates in Asheville, AL: A Detailed Analysis
Located in the heart of Alabama, Ashville is a city characterized by its strong sense of community and small-town charm. For the city's drivers, car insurance is a necessary consideration. This article aims to shed light on the leading car insurance providers in Ashville, the prices they offer, and the factors affecting insurance rates in the city.
Top Competitors and their Prices
Several top-notch insurance providers cater to the residents of Ashville, each offering different prices and coverages:
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State Farm: A nationally recognized provider, State Farm offers comprehensive coverage in Ashville with an average annual rate of around $1,240.
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Geico: With competitive pricing, Geico's average annual rate in Ashville stands at approximately $1,190.
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Allstate: Allstate, known for its wide array of coverage options, comes with an average annual rate of about $1,340.
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Progressive: Progressive, with its flexible coverage options, provides an average annual rate of around $1,290.
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Liberty Mutual: Renowned for its generous benefits and discounts, Liberty Mutual offers an average annual rate of around $1,320.
Remember, these are average estimates and can vary significantly based on factors such as driving history, age, and the type of vehicle being insured.
Quotes, Rates, and Agents
The car insurance landscape in Ashville is highly competitive, and the rates can vary widely between different providers. The quotes offered by insurance companies depend on their risk assessment models and the agent’s interpretation of a client's needs.
Insurance agents are pivotal to this process. They not only represent the insurance companies in dealing with clients but also provide crucial guidance in helping clients navigate the often-confusing landscape of car insurance. In Ashville, agents leverage their knowledge of local conditions to offer tailor-made policies that best suit individual needs.
Factors Influencing Car Insurance Rates in Ashville
Several elements influence car insurance rates in Ashville, including:
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Driving Record: Drivers with clean records often enjoy lower premiums compared to those with histories of accidents or violations.
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Vehicle Type: The make, model, and year of a vehicle can significantly impact insurance costs. For instance, insuring newer, high-end cars generally costs more than insuring older, less expensive models.
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Demographics: Age, gender, and marital status can also influence insurance rates. Younger, single male drivers usually pay higher rates.
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Location: High traffic areas or those with high accident rates typically have higher insurance premiums. Similarly, areas with high vehicle theft rates can also lead to increased insurance rates.
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Credit Score: Many insurance companies use credit scores as an indicator of potential risk, affecting the rates they offer.
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Coverage and Deductibles: The amount of coverage selected and the deductible chosen can directly impact the premium. More coverage and lower deductibles generally lead to higher premiums.
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Local Regulations: State and local laws can also influence car insurance costs. Alabama, including Ashville, requires drivers to have a minimum amount of liability insurance.
The car insurance market in Ashville, AL, is influenced by a myriad of factors and rates can vary greatly between providers. It's always advisable to shop around, understand your own insurance needs, and consult with a local, knowledgeable insurance agent to find a policy that best suits your circumstances. Whether you're a newcomer or a long-term resident of Ashville, regularly revisiting your car insurance policy is a good way to ensure you're receiving the best coverage for your investment.
Factors that can influence the cost of car insurance in Ashville, 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.
- Ashville, AL Auto Insurance Rates
- Ashville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Ashville, AL
- Multi Vehicle Insurance Savings in Ashville, AL
- How Credit Score Affects Car Insurance Rates in Ashville, AL
- How DUI Affects Auto Insurance Premiums in Ashville, AL
- Top Auto Insurance Agents Near Ashville, AL
- How Driving Violations Affect Auto Insurance Rates in Ashville, AL
- Ashville, AL Auto Insurance Discounts on Anti Theft Feature
Ashville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Ashville, AL with that of other cities in and around Ashville.
| Ashville | Highland Lake | Gallant | Ragland | Steele | Attalla | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,420 | $1,548 | $1,450 | $1,443 | $1,400 | $1,400 |
Ashville, 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 Ashville, 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) |
|---|---|---|
| Ashville | $1,418 | $1,198 |
| Steele | $1,403 | $1,185 |
| Gallant | $1,634 | $1,380 |
| Ragland | $1,652 | $1,395 |
| Rainbow City | $1,101 | $930 |
| Attalla | $1,931 | $1,631 |
| Highland Lake | $1,357 | $1,146 |
| St. Clair County | $1,310 | $1,107 |
Ashville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Ashville, 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 | $4,608 |
| 20 Years | $1,825 |
| 30 Years | $1,405 |
| 40 Years | $1,352 |
| 50 Years | $1,252 |
| 60 Years | $1,270 |
| 70 Years | $1,478 |
Ashville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Ashville, 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 | $2,442 | $398 |
| 3 Vehicles | $3,664 | $596 |
| 4 Vehicles | $4,885 | $795 |
Savings on 2 Vehicles bundle:$398
Savings on 3 Vehicles bundle:$596
Savings on 4 Vehicles bundle:$795
Ashville, 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 Ashville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Ashville | $1,420 | $2,518 |
| Steele | $1,400 | $2,482 |
| Gallant | $1,450 | $2,571 |
| Ragland | $1,443 | $2,558 |
| Rainbow City | $1,480 | $2,624 |
| Attalla | $1,400 | $2,482 |
| Highland Lake | $1,548 | $2,745 |
| St. Clair County | $1,472 | $2,610 |
Ashville, 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) | $1,218 |
| Excellent (740-799) | $1,391 |
| Good (670-739) | $1,480 |
| Average (580-669) | $1,930 |
| Poor (300-579) | $2,316 |
Ashville, 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 |
|---|---|---|---|
| Rick Hester | State Farm | 210 Bay St, Gadsden, 35901-5231 | 256-547-0533 |
| Seals Insurance | Travelers | 45240 HWY 78, LINCOLN, 35096 | 205-763-0950 |
| Karen Acker | State Farm | 103 2nd Ave W, Oneonta, 35121-1603 | 205-274-2123 |
| Crawford-Skinner Agency | Travelers | 6412 Us Highway 11 , Springville, 35146 | None |
| Andrew Anderton | Allstate | 303 2nd Ave E, Oneonta, 35121 | (205) 274-8888 |
| Stephen A. Davis Insurance Inc. | None | 106B 2Nd Street N, Oneonta, 35121 | None |
| Hodges Ford Insurance Agency Inc | Travelers | 2727 RAINBOW DR, RAINBOW CITY, 35906 | 256-413-7611 |
| Richard Waid | State Farm | 8121 U.S. Hwy 11, Springville, 35146-0247 | 205-467-7897 |
| Alabama Ins Agency Inc | Travelers | 850 CORPORATE PKWY STE 108, BIRMINGHAM, 35242 | 205-776-1680 |
| Proassurance Agency | Liberty Mutual Independent | 100 BROOKWOOD PL 300, BIRMINGHAM, 35209 | 205-445-2661 |
| Tyler F Watts | Nationwide | 2015 Kentucky Ave, Birmingham, 35216 | (205) 822-5477 |
Ashville, 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 | $1,482 |
| Driver's Failure In Showing Documents | +$138 | $1,558 |
| Driving With An Expired Registration | +$146 | $1,566 |
| Driving At A Considerably Slow Pace | +$308 | $1,728 |
| Using A Cellphone While Driving | +$325 | $1,745 |
| Running A Red Light | +$331 | $1,751 |
| Speeding | +$348 | $1,768 |
| Driving A Vehicle Without The Required Permission | +$442 | $1,862 |
| Driving With An Expired/Suspended License | +$957 | $2,377 |
Ashville, 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 | $1,363 |
| Active Disabling Device | $1,363 |
| Tracking Device | $1,335 |
| Passive Disabling Device | $1,321 |