Ways to Reduce the Cost of Auto Insurance in Albertville, AL

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The average cost of auto insurance in Albertville, AL, is $1,441. This cost is higher than nearby locations like New Union, Boaz, and Albertville-Boaz but lower than other nearby places like Guntersville and Sardis City. Car owners in Albertville, AL can reduce the cost of their car insurance by considering various factors like the neighborhood, credit score, and deductibles. Below is an analysis by Zimlon highlights some factors that can lower the cost of car insurance in Albertville, AL. 

Neighborhood:

The neighborhood one lives in Albertville, AL influences the cost of car insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the prices can vary. 

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Albertville, AL. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance in Albertville, AL, on a deductible of $500 is $1,700 and it decreases to $1,436 when the deductible is $1,000.

Age of the Driver: 

Car owners in Albertville, AL, can lower their car insurance costs by comparing multiple age of the driver based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers in Albertville, AL, 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. The average cost of car insurance for a teenager in Albertville, AL, is $4,676. Whereas, for a 40 to 60-year-old car driver the average cost of car insurance in Albertville, AL, is less than $1300. Below is the list of the cost of car insurance for different age groups in Albertville, AL.

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Multi-Car Insurance: 

Car owners in Albertville, AL, can further reduce the cost of their car insurance by opting for multi-car insurance policies and insuring multiple vehicles with the same insurance company. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits.

According to Zimlon’s research, car owners in Albertville, AL, can save $346 by opting to insure two cars together. Insuring three or four cars would further help residents of Albertville, AL, to save $519 and $692, respectively. 

Credit Score:

Having an “excellent” or “good” credit score will also help to make car insurance less expensive in Albertville, AL. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Albertville, AL, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,236. Whereas car insurance costs can get as high as $1,959 and $2,350 if the credit score is average or poor.