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

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.

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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:

  • 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.

  • 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.

  • Progressive: Progressive's competitive rates start from $1,050 per year, and they offer additional discounts for bundling multiple policies.

  • Allstate: Providing a broad range of coverage options, Allstate's rates start around $1,200 per year in Autaugaville.

  • 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:

  • Location: Autaugaville is a small, rural town, which generally leads to lower rates due to reduced traffic and lower crime rates.

  • Driving Record: As with any insurance provider, those with a clean driving record are likely to get lower rates.

  • Age and Experience: Young or inexperienced drivers tend to have higher rates due to their perceived risk.

  • 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.

  • 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 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