Auburn, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Auburn, 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.
Auto Insurance Rates in Auburn, AL
The average cost of car insurance in Auburn, AL is $1,411 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.
The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.
Based on deductibles
To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Auburn, AL can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Auburn car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Auburn this difference is $1472 and $1243 respectively.
Auto Insurance Cost in Auburn Based on deductibles in nearby cities
Multi Car Insurance Rates
Auburn, AL car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Auburn car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Auburn , insurance companies provide $367 and $550 off on 2 vehicles bundle and 3 vehicles bundle respectively. One can save $734 on auto insurance by bundling 4 vehicles in Auburn.
Based on the credit score
In most of the states credit score is a major rating factor. Car owners with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Auburn car owners with a good credit score or more pay only $1211 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2302.
Based on age of the car owner
Teenagers and young residents of Auburn pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Auburn is $4578 while 30-50 year olds can expect to find cheaper rates at less than $1396-$1244 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.
Factors that can influence the cost of car insurance in Auburn, 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.
- Auburn, AL Auto Insurance Rates
- Auburn, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Auburn, AL
- Multi Vehicle Insurance Savings in Auburn, AL
- How Credit Score Affects Car Insurance Rates in Auburn, AL
- How DUI Affects Auto Insurance Premiums in Auburn, AL
- Top Auto Insurance Agents Near Auburn, AL
- How Driving Violations Affect Auto Insurance Rates in Auburn, AL
- Auburn, AL Auto Insurance Discounts on Anti Theft Feature
- Auburn, AL Auto Insurance Company Reviews
Auburn, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Auburn, AL with that of other cities in and around Auburn.
|Auburn||Beauregard-Marvyn||Auburn-Opelika||Little Texas-Society Hill||Opelika||Loachapoka|
|Average Insurance Rates||$1,411||$1,461||$1,500||$1,390||$1,481||$1,471|
Auburn, 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 Auburn, 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)|
|Little Texas-Society Hill||$1,335||$1,128|
Auburn, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Auburn, 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|
Auburn, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Auburn, 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|
Savings on 2 Vehicles bundle:$367
Savings on 3 Vehicles bundle:$550
Savings on 4 Vehicles bundle:$734
Auburn, 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 Auburn, AL.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
|Little Texas-Society Hill||$1,390||$2,464|
Auburn, 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|
Auburn, 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|
|Dee C Madison||Allstate||1444 Opelika Rd, Auburn, 36830||(334) 301-2601|
|Tri County Insurance||Travelers||1434 OPELIKA RD STE C, AUBURN, 36830||334-887-2905|
|Donnie Rabren||Allstate||721 E Glenn Ave, Auburn, 36830||(334) 821-7570|
|Bill White||State Farm||401 S 8th St, Opelika, 36801-4958||334-749-8319|
|J. Smith Lanier & Co. - Opelika||None||707 Avenue A, Opelika, 36801||None|
|Joe C. Colvin Jr||Allstate||1444 Opelika Rd, Auburn, 36830||(334) 301-2601|
|Palomar Insurance Corp||Travelers||8193 VAUGHN RD, MONTGOMERY, 36116||334-270-0105|
|Jan Carpenter||State Farm||3025 Zelda Rd, Montgomery, 36106-2651||334-271-0575|
Auburn, 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||$1,473|
|Driver's Failure In Showing Documents||+$137||$1,548|
|Driving With An Expired Registration||+$145||$1,556|
|Driving At A Considerably Slow Pace||+$306||$1,717|
|Using A Cellphone While Driving||+$323||$1,734|
|Running A Red Light||+$329||$1,740|
|Driving A Vehicle Without The Required Permission||+$439||$1,850|
|Driving With An Expired/Suspended License||+$951||$2,362|
Auburn, 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|
|Active Disabling Device||$1,355|
|Passive Disabling Device||$1,312|
Latest Auto Insurance Reviews in Auburn, AL | Back to Top
Havent had problems and maybe a call or two with them over information. They gladly help me with my needs. Sounds government regulated so they have standards.
It's a really good service. They provided services for our family needs and make necessary adjustments as we request them