Avon, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Avon, 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.
A Comprehensive Guide to Car Insurance Rates in Avon, AL
Auto insurance rates in Avon, Alabama can vary significantly based on numerous factors including the vehicle's make and model, the driver's experience, credit history, and even where the car is generally parked. In this article, we will dive into the dynamics of car insurance in Avon, AL, identifying key competitors, their prices, and an analysis on quotes, rates, and agents.
Top Competitors
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State Farm: Known for its strong customer service, State Farm provides comprehensive car insurance coverage in Avon, AL. The average annual premium with State Farm is around $1,500 for a full coverage policy.
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GEICO: Offering competitively priced policies, GEICO's average annual car insurance rate in Avon is about $1,400 for full coverage.
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Allstate: Allstate is reputed for its customizable policies. The average annual premium with Allstate in Avon hovers around $1,600.
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Progressive: Progressive, famous for its Name Your Price tool, has an average annual premium of about $1,550 in Avon.
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Farmers: Farmers Insurance offers a variety of coverage options with an average annual premium of around $1,650 in Avon.
Analysis on Quotes, Rates & Agents
Auto insurance quotes are impacted by a variety of factors, including the driver's age, driving history, credit score, and the type of car they drive. As such, it's crucial for consumers to gather quotes from multiple providers to ensure they're getting the best rate possible.
Agents play a significant role in this process, often helping customers navigate the complexities of auto insurance policies and providing personalized advice based on individual needs and circumstances. In Avon, local agents have deep knowledge of the area, including specific risks, and can provide tailored guidance on the appropriate coverage level and potential discounts.
Factors Influencing the Insurance Rates
Several factors influence car insurance rates in Avon, AL, and it's important to understand these as you shop for coverage:
Location: Where you live in Avon can impact your insurance rates. If you live in an area with high crime rates or a high incidence of car accidents, you could pay more for car insurance.
Age and Driving Experience: Younger drivers and those with less driving experience often pay higher insurance rates. This is because these groups are statistically more likely to be involved in accidents.
Credit Score: Insurers often use credit scores as a part of their underwriting process. Those with lower credit scores may face higher premiums.
Vehicle Type: The make, model, and year of your vehicle also impact insurance rates. Vehicles that are more expensive to repair or replace or have a high theft rate can have higher insurance premiums.
Driving Record: Drivers with a history of traffic violations or accidents are likely to pay more for car insurance than those with clean driving records.
Auto insurance in Avon, AL, is determined by a complex interplay of various factors, and the rates can vary significantly from one insurance company to another. By understanding these factors and shopping around, it is possible to find a rate that offers good coverage at a price that fits your budget.
Factors that can influence the cost of car insurance in Avon, 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.
- Avon, AL Auto Insurance Rates
- Avon, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Avon, AL
- Multi Vehicle Insurance Savings in Avon, AL
- How Credit Score Affects Car Insurance Rates in Avon, AL
- How DUI Affects Auto Insurance Premiums in Avon, AL
- Top Auto Insurance Agents Near Avon, AL
- How Driving Violations Affect Auto Insurance Rates in Avon, AL
- Avon, AL Auto Insurance Discounts on Anti Theft Feature
Avon, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Avon, AL with that of other cities in and around Avon.
| Avon | Cottonwood | Dothan | Houston County | Cowarts | Webb | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,430 | $1,412 | $1,359 | $1,455 | $1,423 | $1,415 |
Avon, 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 Avon, 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) |
|---|---|---|
| Avon | $1,243 | $1,050 |
| Houston County | $1,505 | $1,271 |
| Ashford | $2,813 | $2,376 |
| Cowarts | $1,932 | $1,632 |
| Webb | $1,335 | $1,128 |
| Dothan | $1,265 | $1,068 |
| Cottonwood | $1,315 | $1,111 |
| Kinsey | $1,479 | $1,249 |
Avon, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Avon, 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 | $4,640 |
| 20 Years | $1,837 |
| 30 Years | $1,415 |
| 40 Years | $1,362 |
| 50 Years | $1,261 |
| 60 Years | $1,279 |
| 70 Years | $1,488 |
Avon, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Avon, 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 | $2,460 | $400 |
| 3 Vehicles | $3,689 | $601 |
| 4 Vehicles | $4,919 | $801 |
Savings on 2 Vehicles bundle:$400
Savings on 3 Vehicles bundle:$601
Savings on 4 Vehicles bundle:$801
Avon, 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 Avon, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Avon | $1,430 | $2,535 |
| Houston County | $1,455 | $2,580 |
| Ashford | $1,456 | $2,582 |
| Cowarts | $1,423 | $2,523 |
| Webb | $1,415 | $2,509 |
| Dothan | $1,359 | $2,410 |
| Cottonwood | $1,412 | $2,504 |
| Kinsey | $1,410 | $2,500 |
Avon, 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) | $1,227 |
| Excellent (740-799) | $1,401 |
| Good (670-739) | $1,490 |
| Average (580-669) | $1,944 |
| Poor (300-579) | $2,332 |
Avon, 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 |
|---|---|---|---|
| Brian Jones | State Farm | 190 Westgate Pkwy, Dothan, 36303-2931 | 334-793-6396 |
| Gene Mcgriff | State Farm | 2948 Ross Clark Cir, Dothan, 36301-1161 | 334-793-7618 |
| Germaine Johnson | Allstate | 1034 Ross Clark Cir Ste 3, Dothan, 36303 | (334) 699-4000 |
| Drew Phillips | Allstate | 130 Honeysuckle Rd, Dothan, 36305 | (334) 792-7676 |
| Interstate Motor Carriers/Capacity Agency Llc | None | 1515 Oak Drive, Dothan, 36303 | None |
| Mallory-Tate Insurance Services, Llc | None | 2426 S Park Ave, Dothan, 36301 | None |
| Slingluff Insurance Agency Inc | Travelers | 568 S Oates St, Dothan, 36301 | None |
| Robert Cannon | Allstate | 1560 Hartford Hwy, Dothan, 36301 | (334) 792-0030 |
| Circle Insurance Agency Inc | Travelers | 863 ANDREWS AVE, OZARK, 36361 | 334-774-7177 |
Avon, 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 | +$63 | $1,493 |
| Driver's Failure In Showing Documents | +$139 | $1,569 |
| Driving With An Expired Registration | +$147 | $1,577 |
| Driving At A Considerably Slow Pace | +$310 | $1,740 |
| Using A Cellphone While Driving | +$327 | $1,757 |
| Running A Red Light | +$333 | $1,763 |
| Speeding | +$350 | $1,780 |
| Driving A Vehicle Without The Required Permission | +$445 | $1,875 |
| Driving With An Expired/Suspended License | +$964 | $2,394 |
Avon, 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 | $1,373 |
| Active Disabling Device | $1,373 |
| Tracking Device | $1,344 |
| Passive Disabling Device | $1,330 |