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

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.

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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:

  • State Farm: A nationally recognized provider, State Farm offers comprehensive coverage in Ashville with an average annual rate of around $1,240.

  • Geico: With competitive pricing, Geico's average annual rate in Ashville stands at approximately $1,190.

  • Allstate: Allstate, known for its wide array of coverage options, comes with an average annual rate of about $1,340.

  • Progressive: Progressive, with its flexible coverage options, provides an average annual rate of around $1,290.

  • 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:

  • Driving Record: Drivers with clean records often enjoy lower premiums compared to those with histories of accidents or violations.

  • 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.

  • Demographics: Age, gender, and marital status can also influence insurance rates. Younger, single male drivers usually pay higher rates.

  • 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.

  • Credit Score: Many insurance companies use credit scores as an indicator of potential risk, affecting the rates they offer.

  • 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.

  • 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 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