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

Babbie, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Babbie, 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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Analyzing the Factors Driving Car Insurance Rates in Babbie, AL

Car insurance rates can vary greatly from one place to another. In Babbie, Alabama, as in the rest of the country, a number of different factors influence these rates. This article aims to dissect these factors and provide an understanding of the car insurance landscape in Babbie, AL, including a look at the main competitors and the prices they offer.

Market Competitors and Prices in Babbie, AL

In Babbie, a number of car insurance companies operate, each offering a range of prices based on a variety of factors. The top competitors in the region include State Farm, Allstate, Geico, and Progressive.

  • State Farm: The largest auto insurance provider in the U.S. offers competitive rates in Babbie, with average annual premiums around $1,200.

  • Allstate: Known for its personalized plans, Allstate’s average annual rates for car insurance in Babbie are slightly higher than State Farm, typically around $1,300.

  • Geico: This company is often recognized for its affordable plans. In Babbie, their average annual premium tends to be around $1,150.

  • Progressive: Progressive offers a range of flexible plans and has an average annual premium of approximately $1,250 in Babbie.

Analyzing Quotes, Rates & Agents

Quotes, rates, and agents are integral parts of the car insurance landscape. The quotes you receive are largely dependent on the rates set by insurance companies, which are influenced by a variety of factors including the risk associated with insuring the driver, the car, and the location.

Local insurance agents play a significant role in this process. Agents in Babbie are well-acquainted with the region and understand the unique risk factors associated with the area. This allows them to help customers find the most appropriate coverage for their specific situation, potentially lowering their rates.

Factors Influencing Car Insurance Rates in Babbie, AL

Several factors influence car insurance rates in Babbie:

  • Driver Profile: This includes the driver's age, gender, marital status, driving history, and credit score. Typically, younger drivers, particularly males, tend to have higher rates due to their perceived riskiness. Similarly, drivers with a history of traffic violations or accidents will likely pay more.

  • Vehicle Type: The make, model, and year of the car, as well as safety features and likelihood of theft, can affect rates. For example, sports cars generally incur higher premiums due to a greater risk of accidents and theft.

  • Location-Specific Factors: Babbie, like any other city, has unique factors influencing rates. For instance, areas with higher crime rates, particularly car theft, may see higher insurance premiums. Similarly, areas with higher traffic density can lead to increased accident risk, raising premiums.

  • Coverage Level: The amount and type of coverage chosen also affects the price. Comprehensive coverage will cost more than basic liability coverage.

  • Discounts: Insurance companies may offer discounts that can lower rates. These can be related to good driving records, low annual mileage, the bundling of insurance policies, or safety features in the vehicle.

Understanding the factors driving car insurance rates in Babbie, AL, is key to finding the best insurance policy for your needs. Comparing prices from top competitors, considering the influence of quotes, rates, and agents, and analyzing personal factors can lead to more informed decisions and potentially lower car insurance premiums.

Factors that can influence the cost of car insurance in Babbie, 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.

Babbie, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Babbie, AL with that of other cities in and around Babbie.

Babbie Sanford Heath Horn Hill Opp Covington County
Average Insurance Rates $1,402 $1,617 $1,397 $1,406 $1,416 $1,420

Babbie, 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 Babbie, 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)
Babbie $1,405 $1,187
Horn Hill $1,458 $1,232
Opp $2,737 $2,312
Sanford $1,666 $1,407
Onycha $1,329 $1,122
Covington County $2,746 $2,319
Libertyville $1,958 $1,654
Heath $2,167 $1,830

Babbie, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Babbie, 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 $4,549
20 Years $1,801
30 Years $1,388
40 Years $1,335
50 Years $1,236
60 Years $1,253
70 Years $1,459

Babbie, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Babbie, 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 $2,468 $336
3 Vehicles $3,701 $505
4 Vehicles $4,935 $673

Savings on 2 Vehicles bundle:$336

Savings on 3 Vehicles bundle:$505

Savings on 4 Vehicles bundle:$673

Babbie, 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 Babbie, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Babbie $1,402 $2,486
Horn Hill $1,406 $2,493
Opp $1,416 $2,511
Sanford $1,617 $2,867
Onycha $1,384 $2,454
Covington County $1,420 $2,518
Libertyville $1,901 $3,371
Heath $1,397 $2,477

Babbie, 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) $1,203
Excellent (740-799) $1,373
Good (670-739) $1,461
Average (580-669) $1,906
Poor (300-579) $2,287

Babbie, 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
David Brooks Allstate 1831 E Three Notch St, Andalusia, 36421 (334) 767-3324
Davis & Associates, Inc. None 1731 E Three Notch St, Andalusia, 36421 (334) 246-2401
Gary Maddox Allstate 510 N Main St, Opp, 36467 (334) 493-4477
Joann Bulger Farmers 2 E Court Sq, Andalusia, 36420 (334) 222-8223
Southeast Agency Allstate 9461 S Main St, Brantley, 36009 (334) 527-8900
Witherington Insurance Group Travelers 1200 ELBA HWY, TROY, 36079 334-566-1477
Tim Bryan State Farm 300 E Three Notch St, Andalusia, 36420-3125 334-222-1460
Mike Shelton State Farm 1009 Highway 231 S Ste B, Troy, 36081-3085 334-566-3486
Brewton Insurance And Real Estate None 401 Evergreen Ave, Brewton, 36426 None

Babbie, 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 $1,464
Driver's Failure In Showing Documents +$136 $1,538
Driving With An Expired Registration +$144 $1,546
Driving At A Considerably Slow Pace +$304 $1,706
Using A Cellphone While Driving +$321 $1,723
Running A Red Light +$327 $1,729
Speeding +$343 $1,745
Driving A Vehicle Without The Required Permission +$436 $1,838
Driving With An Expired/Suspended License +$945 $2,347

Babbie, 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 $1,346
Active Disabling Device $1,346
Tracking Device $1,318
Passive Disabling Device $1,304