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

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

Zimlon, through its research, found that car owners in Athens, 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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Understanding the Dynamics of Car Insurance Rates in Athens, AL

Athens, Alabama, a city known for its southern hospitality and historical richness, is also a hub for various insurance providers offering car insurance rates that cater to its diverse demographic. This article aims to dissect the dynamics of car insurance rates in Athens, discussing top competitors, their prices, and the factors influencing insurance rates in the city.

Top Competitors and their Prices

A host of reputable insurance companies operate in Athens, offering comprehensive policies with competitive pricing:

  • State Farm: As a top national insurance provider, State Farm's average annual rate in Athens is approximately $1,260.

  • Geico: Renowned for its affordable packages, Geico's average annual rate in Athens is around $1,210.

  • Allstate: Known for its broad coverage options, Allstate's average annual rate is about $1,360.

  • Progressive: Progressive, recognized for its customizable policies, has an average annual rate of around $1,310 in Athens.

  • Liberty Mutual: Famed for its vast array of benefits and discounts, Liberty Mutual's average annual rate is approximately $1,340.

These figures represent average estimates and can fluctuate based on variables such as the driver's history, age, and the type of vehicle insured.

Quotes, Rates, and Agents

The car insurance industry in Athens is robust and competitive, with insurance rates varying widely across different companies. The quotes offered by insurance companies hinge on their risk evaluation models and the agent's comprehension of the client's needs.

Insurance agents act as intermediaries between customers and insurance companies. They are often the first point of contact for clients and are instrumental in the negotiation process. Agents in Athens leverage their in-depth understanding of local dynamics to offer customized policies that cater to the client's individual needs, ensuring a transparent and effective process.

Factors Influencing Car Insurance Rates in Athens

Several factors contribute to the calculation of car insurance rates in Athens:

  • Driving Record: Drivers with no history of accidents or violations typically receive lower premiums than those with a less-than-perfect record.

  • Vehicle Type: The make, model, and age of a vehicle can significantly influence insurance costs. Typically, newer, more expensive cars are costlier to insure.

  • Demographics: Factors such as age, gender, and marital status can impact insurance rates. Younger, single, male drivers often pay higher rates.

  • Location: Areas with high traffic volumes or frequent accident rates often have higher insurance premiums. Additionally, regions with higher vehicle theft rates can influence insurance rates.

  • Credit Score: Insurance companies often use credit scores as an indicator of a driver's financial responsibility, which can influence the rate offered.

  • Coverage and Deductibles: The level of coverage and the deductible chosen directly impact the premium. More coverage and lower deductibles result in higher premiums.

  • Local Regulations: State and local laws, including mandatory minimum liability coverage laws in Alabama, can affect insurance costs.

To sum up, the car insurance market in Athens, AL, is subject to a variety of influences, leading to considerable variation in rates between providers. It is always advisable to shop around, understand your insurance needs, and consult with a knowledgeable insurance agent to find a policy that best aligns with your circumstances. Whether you are new to Athens or a long-term resident, regular reviews of your car insurance policy can ensure optimal coverage at the most competitive price.

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

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

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

Athens Mooresville Salem Ardmore Madison Limestone County
Average Insurance Rates $1,385 $1,547 $1,458 $1,435 $1,407 $1,476

Athens, 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 Athens, 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)
Athens $1,147 $969
Limestone County $2,542 $2,147
Elkmont $2,172 $1,835
Salem $1,262 $1,066
Harvest $1,466 $1,238
Mooresville $1,357 $1,146
Ardmore $1,174 $992
Madison $1,465 $1,237

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

Teenagers in Athens, 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 $4,494
20 Years $1,780
30 Years $1,371
40 Years $1,319
50 Years $1,221
60 Years $1,238
70 Years $1,441

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

Car owners in Athens, 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 $2,410 $360
3 Vehicles $3,615 $540
4 Vehicles $4,820 $720

Savings on 2 Vehicles bundle:$360

Savings on 3 Vehicles bundle:$540

Savings on 4 Vehicles bundle:$720

Athens, 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 Athens, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Athens $1,385 $2,456
Limestone County $1,476 $2,617
Elkmont $1,458 $2,585
Salem $1,458 $2,585
Harvest $1,480 $2,624
Mooresville $1,547 $2,743
Ardmore $1,435 $2,544
Madison $1,407 $2,495

Athens, 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) $1,188
Excellent (740-799) $1,356
Good (670-739) $1,443
Average (580-669) $1,883
Poor (300-579) $2,259

Athens, 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
Brad Johnson Allstate 26978 US Highway 72 Ste C, Athens, 35613 (256) 216-5470
Michael Howell State Farm 903 S Clinton St, Athens, 35611-3562 256-232-5400
Brad Tank Allstate 1785 Hwy 72 E Ste C, Athens, 35611 (256) 771-7540
Dale Deason State Farm 1001 Jefferson St SE, Athens, 35611-3584 256-232-7318
Martin & Hubbs Inc Liberty Mutual Independent 102 W MARKET ST, ATHENS, 35611 256-232-0505
Johnny Jackson Kilgro Jr Nationwide 800 US Highway 72 West STE G, Athens, 35611-4227 (256) 232-5241
Mike Campbell Allstate 617 E Hobbs St, Athens, 35611 (256) 233-2377

Athens, 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 +$61 $1,446
Driver's Failure In Showing Documents +$134 $1,519
Driving With An Expired Registration +$143 $1,528
Driving At A Considerably Slow Pace +$301 $1,686
Using A Cellphone While Driving +$317 $1,702
Running A Red Light +$323 $1,708
Speeding +$339 $1,724
Driving A Vehicle Without The Required Permission +$431 $1,816
Driving With An Expired/Suspended License +$933 $2,318

Athens, 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 $1,330
Active Disabling Device $1,330
Tracking Device $1,302
Passive Disabling Device $1,288

Latest Auto Insurance Reviews in Athens, AL | Back to Top

State Farm
I haven't really had to deal with my insurance company beyond the initial setup, which was painless and quick, so it's hard to say if I would recommend them, currently no complaints at all.
Farmer's Insurance
When I looked for cheaper more affordable offers this was the best candidate for the job.
My car insurance deductible is a little high for the minimal amount of claims that I have ever been involved with.The premium is also high, but in line with the industry standard for my area.