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

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

Zimlon, through its research, found that car owners in Atmore, 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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Car Insurance Rates in Atmore, AL: A Detailed Report

Atmore, Alabama, famed for its southern charm and diverse community, is home to several top car insurance providers. This article delves into the dynamics of car insurance rates in Atmore, discussing the leading competitors, their prices, and the factors influencing insurance rates in the city.

Top Competitors and their Prices

Several top-notch insurance providers cater to Atmore's residents, each offering diverse coverage options and prices:

  • State Farm: Known for its nationwide reputation, State Farm offers comprehensive coverage in Atmore, with an average annual rate of around $1,280.

  • Geico: Renowned for its competitive pricing, Geico's average annual rate in Atmore stands at approximately $1,230.

  • Allstate: Allstate offers a wide range of coverage options, and its average annual rate is about $1,380.

  • Progressive: With its flexibility in coverage options, Progressive provides an average annual rate of around $1,330 in Atmore.

  • Liberty Mutual: Famed for its array of benefits and discounts, Liberty Mutual has an average annual rate of around $1,360 in Atmore.

Keep in mind, these are average estimates and can vary significantly depending on factors such as driving history, age, and the type of vehicle being insured.

Quotes, Rates, and Agents

The car insurance landscape in Atmore is robust, with insurance rates varying greatly among providers. Quotes provided by insurance companies are based on their risk assessment models and the agent's understanding of a client's needs.

Insurance agents are key to this process. As representatives of insurance companies, they facilitate negotiations with clients and help guide clients through the often confusing world of car insurance. In Atmore, agents leverage their local knowledge to provide tailor-made policies that best suit individual needs.

Factors Influencing Car Insurance Rates in Atmore

Several factors come into play in determining car insurance rates in Atmore:

  • Driving Record: Drivers with clean records typically enjoy lower premiums than those with a history of accidents or violations.

  • Vehicle Type: The make, model, and year of a vehicle can significantly impact insurance costs. Generally, it is costly to insure newer, high-end vehicles than older, less expensive ones.

  • Demographics: Age, gender, and marital status can influence insurance rates. Younger, single, male drivers often face higher rates.

  • Location: Areas with high traffic volumes or high accident rates typically have higher insurance premiums. Similarly, areas with high rates of vehicle theft can also lead to increased insurance rates.

  • Credit Score: Many insurance companies use credit scores as a measure of a driver's potential risk, which impacts the rates they offer.

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

  • Local Regulations: State and local laws, such as Alabama's requirement for drivers to carry a minimum level of liability insurance, can also affect insurance costs.

The car insurance market in Atmore, AL, is influenced by a multitude of factors, resulting in notable differences in rates between providers. It's recommended to shop around, understand your insurance needs, and consult with a knowledgeable insurance agent to find a policy that best fits your circumstances. Whether you're new to Atmore or a long-term resident, regularly revisiting your car insurance policy is a good practice to ensure you're getting the best coverage for your investment.

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

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

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

Atmore Pollard Brownsdale Northwest Escambia Escambia County Century
Average Insurance Rates $1,427 $1,432 $2,131 $2,143 $1,418 $2,058

Atmore, 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 Atmore, 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)
Atmore $1,937 $1,636
McCullough-Huxford $1,397 $1,180
Flomaton $1,903 $1,608
Century $1,919 $1,621
Northwest Escambia $2,055 $1,736
Pollard $1,274 $1,076
Escambia County $1,309 $1,106
Brownsdale $1,065 $900

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

Teenagers in Atmore, 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 $4,630
20 Years $1,834
30 Years $1,412
40 Years $1,359
50 Years $1,258
60 Years $1,276
70 Years $1,485

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

Car owners in Atmore, 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 $2,454 $400
3 Vehicles $3,682 $599
4 Vehicles $4,909 $799

Savings on 2 Vehicles bundle:$400

Savings on 3 Vehicles bundle:$599

Savings on 4 Vehicles bundle:$799

Atmore, 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 Atmore, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Atmore $1,427 $2,530
McCullough-Huxford $1,428 $2,532
Flomaton $1,398 $2,479
Century $2,058 $3,221
Northwest Escambia $2,143 $3,354
Pollard $1,432 $2,539
Escambia County $1,418 $2,514
Brownsdale $2,131 $3,335

Atmore, 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) $1,224
Excellent (740-799) $1,398
Good (670-739) $1,487
Average (580-669) $1,940
Poor (300-579) $2,328

Atmore, 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 +$63 $1,490
Driver's Failure In Showing Documents +$138 $1,565
Driving With An Expired Registration +$147 $1,574
Driving At A Considerably Slow Pace +$310 $1,737
Using A Cellphone While Driving +$327 $1,754
Running A Red Light +$332 $1,759
Speeding +$350 $1,777
Driving A Vehicle Without The Required Permission +$444 $1,871
Driving With An Expired/Suspended License +$962 $2,389

Atmore, 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 $1,370
Active Disabling Device $1,370
Tracking Device $1,341
Passive Disabling Device $1,327