Autaugaville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Autaugaville, 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.
Unpacking Car Insurance Rates in Autaugaville, AL: An Expert's Analysis
Navigating through car insurance rates can be a daunting task, especially in a marketplace with such a high level of competition. Autaugaville, Alabama, is no exception, and understanding the intricacies of its car insurance landscape can give you a significant advantage. This article provides an expert's analysis of car insurance rates in Autaugaville, featuring the top competitors, quotes, rates, agents, and the multitude of factors influencing insurance rates in the city.
The Market Players
The car insurance market in Autaugaville is competitive with a blend of national and local players:
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State Farm: As one of the largest insurance providers in the U.S., State Farm offers a comprehensive array of insurance products. In Autaugaville, their rates for car insurance start at around $1,100 annually.
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GEICO: Known for its affordable rates, GEICO offers a policy starting at approximately $950 per year in Autaugaville, making it a popular choice for those seeking budget-friendly options.
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Progressive: Progressive's competitive rates start from $1,050 per year, and they offer additional discounts for bundling multiple policies.
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Allstate: Providing a broad range of coverage options, Allstate's rates start around $1,200 per year in Autaugaville.
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Autaugaville Mutual Insurance: As a local provider, Autaugaville Mutual is highly familiar with the area's insurance landscape. Their rates start around $1,000 per year and they provide a personal touch often appreciated by residents.
Quotes, Rates & Agents
Obtaining insurance quotes is crucial in securing the best deal for your individual needs. While online quotes are popular and convenient, working with an agent can provide a more personalized experience.
Agents can help you understand complex terms, conditions, and the fine print, which is essential in determining your policy's true value. They can also advise you on any potential discounts available to you, such as those for safe drivers, good students, or bundled policies.
In Autaugaville, several reputable insurance agents can guide you through the process. They represent a mix of the above insurance companies, ensuring a diverse selection of options.
Factors Influencing Rates in Autaugaville
Numerous elements affect insurance rates in Autaugaville. Here are the key factors:
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Location: Autaugaville is a small, rural town, which generally leads to lower rates due to reduced traffic and lower crime rates.
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Driving Record: As with any insurance provider, those with a clean driving record are likely to get lower rates.
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Age and Experience: Young or inexperienced drivers tend to have higher rates due to their perceived risk.
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Vehicle Type: Luxury or sports cars will usually cost more to insure compared to standard sedans or SUVs due to higher repair or replacement costs.
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Credit Score: Insurers often use credit scores to predict the likelihood of filing claims. A higher score can lead to lower premiums.
Understanding the car insurance landscape in Autaugaville, Alabama, is crucial for residents seeking to secure the best rates. While factors such as the type of vehicle and driving record play significant roles, working with an experienced agent can often help negotiate a more favorable deal. Comparing quotes and thoroughly understanding your policy can ensure you get the best possible coverage for your needs at a price that fits your budget. Remember, the cheapest policy may not always offer the best protection. It's about finding the right balance of cost and coverage.
Factors that can influence the cost of car insurance in Autaugaville, 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.
- Autaugaville, AL Auto Insurance Rates
- Autaugaville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Autaugaville, AL
- Multi Vehicle Insurance Savings in Autaugaville, AL
- How Credit Score Affects Car Insurance Rates in Autaugaville, AL
- How DUI Affects Auto Insurance Premiums in Autaugaville, AL
- Top Auto Insurance Agents Near Autaugaville, AL
- How Driving Violations Affect Auto Insurance Rates in Autaugaville, AL
- Autaugaville, AL Auto Insurance Discounts on Anti Theft Feature
Autaugaville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Autaugaville, AL with that of other cities in and around Autaugaville.
| Autaugaville | Lowndesboro | Billingsley | Selmont-Tyler | Autauga County | White Hall | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,410 | $1,421 | $1,421 | $1,380 | $1,472 | $1,376 |
Autaugaville, 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 Autaugaville, 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) |
|---|---|---|
| Autaugaville | $1,376 | $1,162 |
| Autauga County | $1,717 | $1,450 |
| Billingsley | $1,419 | $1,199 |
| White Hall | $1,878 | $1,586 |
| Lowndesboro | $1,192 | $1,007 |
| Benton | $1,362 | $1,150 |
| Prattville | $1,439 | $1,215 |
| Selmont-Tyler | $1,882 | $1,589 |
Autaugaville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Autaugaville, 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 | $4,575 |
| 20 Years | $1,812 |
| 30 Years | $1,395 |
| 40 Years | $1,343 |
| 50 Years | $1,243 |
| 60 Years | $1,261 |
| 70 Years | $1,467 |
Autaugaville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Autaugaville, 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 | $2,425 | $395 |
| 3 Vehicles | $3,638 | $592 |
| 4 Vehicles | $4,850 | $790 |
Savings on 2 Vehicles bundle:$395
Savings on 3 Vehicles bundle:$592
Savings on 4 Vehicles bundle:$790
Autaugaville, 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 Autaugaville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Autaugaville | $1,410 | $2,500 |
| Autauga County | $1,472 | $2,610 |
| Billingsley | $1,421 | $2,519 |
| White Hall | $1,376 | $2,440 |
| Lowndesboro | $1,421 | $2,519 |
| Benton | $1,501 | $2,661 |
| Prattville | $1,456 | $2,582 |
| Selmont-Tyler | $1,380 | $2,447 |
Autaugaville, 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) | $1,210 |
| Excellent (740-799) | $1,381 |
| Good (670-739) | $1,469 |
| Average (580-669) | $1,917 |
| Poor (300-579) | $2,300 |
Autaugaville, 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 |
|---|---|---|---|
| Strock Insurance Agency | Travelers | 984 E MAIN ST, PRATTVILLE, 36066 | 334-365-6555 |
| Mitch Devers | State Farm | 470 McQueen Smith Road S, Prattville, 36066-5631 | 334-365-3100 |
| Dockery & Associates Inc | Nationwide | 694 D Commerce Court, Prattville, 36067 | (334) 358-1891 |
| Karla Boles | State Farm | 1300 E Main St, Prattville, 36066-5657 | 334-365-1300 |
| Bob Myers | State Farm | 1009 Highland Avenue, Selma, 36701-4960 | 334-875-1080 |
| Independent Insurance Associates Llc | Travelers | 984 E MAIN ST, PRATTVILLE, 36066 | 334-365-6555 |
| Steinhilber & Strawbridge Inc | Travelers | 2100 MT MEIGS RD, MONTGOMERY, 36107 | 334-834-5992 |
Autaugaville, 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 | $1,472 |
| Driver's Failure In Showing Documents | +$137 | $1,547 |
| Driving With An Expired Registration | +$145 | $1,555 |
| Driving At A Considerably Slow Pace | +$306 | $1,716 |
| Using A Cellphone While Driving | +$323 | $1,733 |
| Running A Red Light | +$329 | $1,739 |
| Speeding | +$345 | $1,755 |
| Driving A Vehicle Without The Required Permission | +$439 | $1,849 |
| Driving With An Expired/Suspended License | +$950 | $2,360 |
Autaugaville, 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 | $1,354 |
| Active Disabling Device | $1,354 |
| Tracking Device | $1,325 |
| Passive Disabling Device | $1,311 |