Attalla, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Attalla, 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.
Attalla, AL Car Insurance Rates: An In-Depth Examination
Nestled in the heart of Alabama, Attalla is a city rich in history and culture. When it comes to auto insurance, the city offers a range of providers and plans that cater to diverse needs. This article will delve into the intricacies of car insurance rates in Attalla, discussing the top competitors, their pricing, and the factors affecting the insurance rates in this city.
Top Competitors and their Prices
Numerous esteemed insurance companies provide coverage to Attalla's residents, each offering a variety of prices and coverage options:
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State Farm: As a prominent national insurance provider, State Farm's average annual rate in Attalla hovers around $1,300.
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Geico: Known for its affordable policies, Geico's average annual rate in Attalla is approximately $1,250.
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Allstate: With its comprehensive coverage options, Allstate's average annual rate stands at about $1,400.
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Progressive: Renowned for its flexible policies, Progressive's average annual rate in Attalla is around $1,350.
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Liberty Mutual: Esteemed for its diverse benefits and discounts, Liberty Mutual offers an average annual rate of approximately $1,380 in Attalla.
These figures are average estimates and can fluctuate based on variables such as a driver's history, age, and the type of vehicle insured.
Quotes, Rates, and Agents
The car insurance industry in Attalla is characterized by its robust competitiveness, with rates varying significantly across different providers. The quotes offered by insurance companies are based on their risk assessment models and the agent's understanding of a client's needs.
Insurance agents play a crucial role in the process, acting as liaisons between clients and insurance companies. They provide indispensable guidance to clients, helping them navigate the intricate landscape of car insurance. Agents in Attalla leverage their knowledge of the local environment to offer personalized policies that best suit individual needs.
Factors Influencing Car Insurance Rates in Attalla
Several factors contribute to the calculation of car insurance rates in Attalla:
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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 age of a vehicle can significantly influence insurance costs. Newer, more expensive vehicles are generally costly to insure.
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Demographics: Factors such as age, gender, and marital status can impact insurance rates. Younger, single, male drivers often pay higher rates.
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Location: Areas with high traffic or frequent accident rates often have higher insurance premiums. Additionally, regions with higher vehicle theft rates can influence insurance rates.
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Credit Score: Many insurance companies use credit scores as an indicator of a driver's financial responsibility, influencing the rate offered.
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Coverage and Deductibles: The level of coverage and the deductible chosen directly impact the premium. More coverage and lower deductibles 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 influence insurance costs.
The car insurance market in Attalla, AL, is subject to a variety of influences, leading to considerable variation in rates between providers. It is advisable for customers to shop around, understand their insurance needs, and consult with a knowledgeable insurance agent to find a policy that best aligns with their circumstances. Whether you are a newcomer or a long-term resident of Attalla, regularly reviewing your car insurance policy can ensure you're getting the best coverage at a competitive price.
Factors that can influence the cost of car insurance in Attalla, 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.
- Attalla, AL Auto Insurance Rates
- Attalla, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Attalla, AL
- Multi Vehicle Insurance Savings in Attalla, AL
- How Credit Score Affects Car Insurance Rates in Attalla, AL
- How DUI Affects Auto Insurance Premiums in Attalla, AL
- Top Auto Insurance Agents Near Attalla, AL
- How Driving Violations Affect Auto Insurance Rates in Attalla, AL
- Attalla, AL Auto Insurance Discounts on Anti Theft Feature
Attalla, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Attalla, AL with that of other cities in and around Attalla.
| Attalla | Gallant | Ivalee | Steele | Gadsden | Rainbow City | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,400 | $1,450 | $1,484 | $1,400 | $1,431 | $1,480 |
Attalla, 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 Attalla, 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) |
|---|---|---|
| Attalla | $1,931 | $1,631 |
| Gadsden | $2,766 | $2,336 |
| Ivalee | $1,723 | $1,456 |
| Rainbow City | $1,101 | $930 |
| Ridgeville | $1,501 | $1,268 |
| Steele | $1,403 | $1,185 |
| Gallant | $1,634 | $1,380 |
| Etowah County | $2,068 | $1,747 |
Attalla, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Attalla, 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 | $4,543 |
| 20 Years | $1,799 |
| 30 Years | $1,386 |
| 40 Years | $1,333 |
| 50 Years | $1,234 |
| 60 Years | $1,252 |
| 70 Years | $1,457 |
Attalla, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Attalla, 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 | $2,464 | $336 |
| 3 Vehicles | $3,696 | $504 |
| 4 Vehicles | $4,928 | $672 |
Savings on 2 Vehicles bundle:$336
Savings on 3 Vehicles bundle:$504
Savings on 4 Vehicles bundle:$672
Attalla, 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 Attalla, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Attalla | $1,400 | $2,482 |
| Gadsden | $1,431 | $2,537 |
| Ivalee | $1,484 | $2,631 |
| Rainbow City | $1,480 | $2,624 |
| Ridgeville | $1,387 | $2,459 |
| Steele | $1,400 | $2,482 |
| Gallant | $1,450 | $2,571 |
| Etowah County | $1,430 | $2,535 |
Attalla, 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) | $1,201 |
| Excellent (740-799) | $1,371 |
| Good (670-739) | $1,459 |
| Average (580-669) | $1,903 |
| Poor (300-579) | $2,284 |
Attalla, 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 |
|---|---|---|---|
| Tyler Elliott | Allstate | 305 W Grand Ave, Rainbow City, 35906 | (256) 413-3833 |
| Todd Davis | State Farm | 736 Walnut St, Gadsden, 35901-4139 | 256-546-3343 |
| Shannon & Banks Inc | Liberty Mutual Independent | 200 Chestnut St, Ste B, Gadsden, 35901 | None |
| American Insurance Services | Travelers | 2901 B RAINBOW DR, RAINBOW CITY, 35906 | 256-490-9877 |
| Billy Kemp | Allstate | 430a George Wallace Dr, Gadsden, 35903 | (256) 365-8805 |
| Jay Ellett | State Farm | 6662 Highway 75 Ste 111, Pinson, 35126-3200 | 205-680-FARM |
| Eyal Ron | Allstate | 3900 Montclair Rd Ste 280, Birmingham, 35213 | (205) 870-0115 |
| Insurance Facilities Inc | Travelers | 309 BROAD ST, GADSDEN, 35901 | 256-549-1716 |
| Pete Russell | Allstate | 5971 Chalkville Mountain Ln, Birmingham, 35235 | (205) 833-8888 |
| Allison Agency Inc | Travelers | 999 MT OLIVE RD STE 123, GARDENDALE, 35071 | 205-608-1884 |
| Marsh Usa-Qsg-Birmingham | Travelers | 1500 URBAN CENTER DR STE 550, BIRMINGHAM, 35242 | 205-262-2300 |
Attalla, 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 | $1,462 |
| Driver's Failure In Showing Documents | +$136 | $1,536 |
| Driving With An Expired Registration | +$144 | $1,544 |
| Driving At A Considerably Slow Pace | +$304 | $1,704 |
| Using A Cellphone While Driving | +$321 | $1,721 |
| Running A Red Light | +$326 | $1,726 |
| Speeding | +$343 | $1,743 |
| Driving A Vehicle Without The Required Permission | +$435 | $1,835 |
| Driving With An Expired/Suspended License | +$944 | $2,344 |
Attalla, 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 | $1,344 |
| Active Disabling Device | $1,344 |
| Tracking Device | $1,316 |
| Passive Disabling Device | $1,302 |