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.
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:
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State Farm: Known for its nationwide reputation, State Farm offers comprehensive coverage in Atmore, with an average annual rate of around $1,280.
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Geico: Renowned for its competitive pricing, Geico's average annual rate in Atmore stands at approximately $1,230.
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Allstate: Allstate offers a wide range of coverage options, and its average annual rate is about $1,380.
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Progressive: With its flexibility in coverage options, Progressive provides an average annual rate of around $1,330 in Atmore.
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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:
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Driving Record: Drivers with clean records typically enjoy lower premiums than those with a history of accidents or violations.
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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.
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Demographics: Age, gender, and marital status can influence insurance rates. Younger, single, male drivers often face higher rates.
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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.
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Credit Score: Many insurance companies use credit scores as a measure of a driver's potential risk, which impacts the rates they offer.
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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.
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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 Rates
- Atmore, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Atmore, AL
- Multi Vehicle Insurance Savings in Atmore, AL
- How Credit Score Affects Car Insurance Rates in Atmore, AL
- How DUI Affects Auto Insurance Premiums in Atmore, AL
- How Driving Violations Affect Auto Insurance Rates in Atmore, AL
- Atmore, AL Auto Insurance Discounts on Anti Theft Feature
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 |