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

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.

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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:

  • State Farm: As a prominent national insurance provider, State Farm's average annual rate in Attalla hovers around $1,300.

  • Geico: Known for its affordable policies, Geico's average annual rate in Attalla is approximately $1,250.

  • Allstate: With its comprehensive coverage options, Allstate's average annual rate stands at about $1,400.

  • Progressive: Renowned for its flexible policies, Progressive's average annual rate in Attalla is around $1,350.

  • 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:

  • 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 age of a vehicle can significantly influence insurance costs. Newer, more expensive vehicles are generally costly 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 or frequent accident rates often have higher insurance premiums. Additionally, regions with higher vehicle theft rates can influence insurance rates.

  • Credit Score: Many insurance companies use credit scores as an indicator of a driver's financial responsibility, influencing 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, 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 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