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

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

Zimlon, through its research, found that car owners in Baileyton, 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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Understanding Baileyton's Car Insurance Rates: An In-depth Study

Baileyton, a small yet bustling city, stands as a unique case study in the world of car insurance. Diverse factors that contribute to Baileyton's car insurance rates help in providing valuable insights into the world of car insurance at a micro-level. The market is teeming with competition, with insurance providers offering a plethora of packages and rates to cater to the varying needs of Baileyton's residents. This article delves into the top competitors in Baileyton's car insurance market, analyzes their quotes, rates and agents, and explores the factors that influence the insurance rates in the city.

Top Competitors and their Prices

In the Baileyton car insurance market, four major players stand out due to their coverage options, competitive rates, and customer service - State Farm, Geico, Allstate, and Progressive.

  • State Farm: is a stalwart in the industry, with robust policy options and a reputation for excellent customer service. Their prices in Baileyton typically start around $1100 annually for minimum coverage, while full coverage options can cost up to $2500 annually.

  • Geico: another industry giant, offers competitive rates starting at around $950 annually for minimum coverage, rising to approximately $2300 annually for full coverage. Geico's strength lies in its tech-forward approach, including an intuitive app and online service portal.

  • Allstate: boasts of a diverse range of discounts, making it an affordable choice for many Baileyton drivers. The annual rate for minimum coverage starts around $1200, while full coverage options start at approximately $2600.

  • Progressive: is known for its "Name Your Price" tool, which helps drivers find a policy that fits their budget. Annual rates for minimum coverage start around $1000, with full coverage rates beginning at around $2400.

Quotes, Rates, and Agents

Rates provided by insurance companies largely depend on the individual's driving history, vehicle make and model, age, and other personal factors. An insurance quote is an estimate of what your rate could be with a potential insurance carrier. The process typically involves filling out an online form with details about you, your vehicle, and your driving history. Upon completion, you will receive a "quote," or estimated price, for your insurance.

Insurance agents, both independent and those working directly for insurance companies, play a crucial role in this process. They help explain policy details, answer questions, and assist customers in finding a policy that suits their needs and budget. Given the potential complexity of car insurance policies, an agent can provide invaluable assistance.

Factors Influencing Insurance Rates in Baileyton

Several factors influence the car insurance rates in Baileyton. Some of the most notable are:

  • Demographics: Age, gender, and marital status all affect car insurance rates. Younger drivers typically face higher rates due to their lack of driving experience. Similarly, single drivers may pay more than their married counterparts.

  • Driving Record: Drivers with a clean record generally receive lower rates compared to those with traffic violations or accidents in their history.

  • Vehicle Type: The make and model of a car can significantly influence insurance rates. Luxury cars, sports cars, or cars with high repair costs typically come with higher insurance premiums.

  • Location: The city of Baileyton has a relatively low crime rate and fewer heavy traffic conditions compared to larger cities, which can result in lower insurance rates. However, rates can vary within the city depending on the specific neighborhood's crime rate, incidence of car theft, and frequency of claims.

  • Credit Score: Many insurance companies use credit scores as a factor to determine rates. Drivers with a lower credit score may end up paying more for car insurance.

  • Coverage and Deductibles: Higher levels of coverage and lower deductibles result in higher premiums. Conversely, lower levels of coverage and higher deductibles result in lower premiums.

Baileyton's car insurance rates are shaped by a complex web of factors, reflecting the individuality of each driver and their circumstances. The city's competitive insurance market, coupled with the wide-ranging influencing factors, means drivers have a wealth of options to find a policy that suits their needs and budget.

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

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

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

Baileyton Baileyton-Joppa Simcoe Eva Arab Joppa
Average Insurance Rates $1,432 $1,427 $1,431 $1,427 $1,456 $1,413

Baileyton, 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 Baileyton, 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)
Baileyton $1,580 $1,335
Baileyton-Joppa $1,937 $1,636
Joppa $1,601 $1,352
Fairview $1,564 $1,321
Simcoe $1,942 $1,640
Holly Pond $2,786 $2,353
Eva $1,937 $1,636
Arab $1,500 $1,267

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

Teenagers in Baileyton, 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 $4,647
20 Years $1,840
30 Years $1,417
40 Years $1,364
50 Years $1,263
60 Years $1,280
70 Years $1,490

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

Car owners in Baileyton, 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 $2,434 $430
3 Vehicles $3,652 $644
4 Vehicles $4,869 $859

Savings on 2 Vehicles bundle:$430

Savings on 3 Vehicles bundle:$644

Savings on 4 Vehicles bundle:$859

Baileyton, 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 Baileyton, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Baileyton $1,432 $2,539
Baileyton-Joppa $1,427 $2,530
Joppa $1,413 $2,505
Fairview $1,445 $2,562
Simcoe $1,431 $2,537
Holly Pond $1,442 $2,557
Eva $1,427 $2,530
Arab $1,456 $2,582

Baileyton, 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) $1,229
Excellent (740-799) $1,402
Good (670-739) $1,492
Average (580-669) $1,947
Poor (300-579) $2,336

Baileyton, 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
Darlene Shelton Insurance None 1436 N. Brindlee Mountain Parkway, Arab, 35016 None
Karri Willis Agency Inc Travelers 33 GOLFVIEW DR NE, ARAB, 35016 256-586-2442
Michael Higdon Allstate 228 N Brindlee Mountain Pkwy, Arab, 35016 (256) 586-1244
Bruce Payne Farmers 1794 S Bethel Rd Ste B, Decatur, 35603 (256) 274-6121
Robbie Barnes State Farm 1801 Somerville Rd SE, Decatur, 35601-5015 256-280-3680
Libby Mays State Farm 1162 N Brindlee Mtn Pkwy, Arab, 35016-1063 256-586-6243
J Smith Lanier & Company Travelers 206 Exchange Pl, Huntsville, 35806 None
Ross Brewer Allstate 1334 Washington St NW, Huntsville, 35801 (256) 533-1200
Bnwg Inc Dba Bob Moore Insurance Liberty Mutual Independent 209 OAKWOOD AVE NW, HUNTSVILLE, 35811 (256) 880-6431

Baileyton, 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 $1,495
Driver's Failure In Showing Documents +$139 $1,571
Driving With An Expired Registration +$147 $1,579
Driving At A Considerably Slow Pace +$311 $1,743
Using A Cellphone While Driving +$328 $1,760
Running A Red Light +$334 $1,766
Speeding +$351 $1,783
Driving A Vehicle Without The Required Permission +$445 $1,877
Driving With An Expired/Suspended License +$965 $2,397

Baileyton, 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 $1,375
Active Disabling Device $1,375
Tracking Device $1,346
Passive Disabling Device $1,332