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

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

Zimlon, through its research, found that car owners in Bakerhill, 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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The Implication of Urban Living on Bakerhill's Car Insurance Rates

Car insurance rates in any given location depend on numerous factors such as the frequency of claims, accident rates, and the nature of the local environment, among others. This article takes an in-depth look into the car insurance rates in Bakerhill, a bustling urban city, and explores the implications of its urban living conditions on these rates. We also evaluate the offerings of Bakerhill's top insurance competitors and the elements that shape insurance costs in this city.

Topmost Competitors and Their Prices

In Bakerhill, the car insurance industry is marked by intense competition among several top insurance providers, who offer varying rates to the city's residents. The main competitors in this space include State Farm, GEICO, Allstate, and Progressive.

  • State Farm: Being the largest auto insurance provider in the U.S, State Farm provides a wide range of auto insurance products. Their rates in Bakerhill average around $1,200 annually for full coverage.

  • GEICO: This competitor is known for its low rates and extensive coverage options. The average annual cost of GEICO car insurance in Bakerhill is approximately $1,100 for full coverage.

  • Allstate: Allstate offers comprehensive coverage and multiple discount options. Their average annual full coverage rate for Bakerhill residents stands at around $1,300.

  • Progressive: Progressive is a popular choice for many due to its robust coverage options and unique tools like the "Name Your Price" tool. In Bakerhill, Progressive's annual full coverage rate averages $1,250.

Quotes, Rates, and Agents

An important aspect of car insurance in Bakerhill is the process of obtaining quotes, understanding the rates, and engaging with insurance agents. The role of insurance agents, both independent and company representatives, is crucial as they help navigate the complex world of insurance rates and policy terms.

The average car insurance rate in Bakerhill is higher than the national average due to the city's urban environment and high accident rates. Quotes vary significantly from person to person based on several personal and external factors. These include the driver's age, driving history, the make and model of the car, and where the car is parked, among others.

Agents play a vital role in helping potential policyholders understand these factors and obtain the best possible quotes. They provide invaluable assistance in adjusting coverage levels, understanding policy terms, and advising on the most beneficial discounts and deals available.

Factors Influencing Insurance Rates in Bakerhill

There are several key factors specific to Bakerhill that influence car insurance rates in the city:

  • Urban environment: The urban environment increases the likelihood of accidents, theft, and vandalism, thereby increasing insurance rates.

  • Traffic congestion: Bakerhill is known for its high traffic congestion, which results in more frequent claims and higher insurance costs.

  • Higher cost of living: As a bustling city, Bakerhill has a higher cost of living, which also affects the cost of auto repairs and medical expenses, resulting in higher premiums.

  • High rate of uninsured drivers: Bakerhill has a relatively high percentage of uninsured drivers, increasing risks and consequently, the insurance rates for insured drivers.

The car insurance landscape in Bakerhill is shaped by its urban living conditions and various other factors that contribute to relatively high rates compared to the national average. The city's top competitors – State Farm, GEICO, Allstate, and Progressive – continue to offer competitive rates and services tailored to meet the needs of the city's diverse population. It is crucial for residents to engage with competent insurance agents to navigate the complexities of auto insurance in Bakerhill and secure the most suitable coverage at the best possible rates.

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

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

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

Bakerhill Fort Gaines Eufaula Barbour County Blue Springs Clayton
Average Insurance Rates $1,408 $1,538 $1,434 $1,413 $1,389 $1,396

Bakerhill, 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 Bakerhill, 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)
Bakerhill $1,915 $1,617
Barbour County $1,455 $1,229
Abbeville $1,678 $1,417
Shorterville $2,274 $1,921
Fort Gaines $1,584 $1,338
Clayton $1,221 $1,031
Blue Springs $1,334 $1,127
Eufaula $1,946 $1,643

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

Teenagers in Bakerhill, 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 $4,569
20 Years $1,809
30 Years $1,393
40 Years $1,341
50 Years $1,242
60 Years $1,259
70 Years $1,465

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

Car owners in Bakerhill, 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 $2,450 $366
3 Vehicles $3,675 $549
4 Vehicles $4,900 $732

Savings on 2 Vehicles bundle:$366

Savings on 3 Vehicles bundle:$549

Savings on 4 Vehicles bundle:$732

Bakerhill, 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 Bakerhill, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Bakerhill $1,408 $2,496
Barbour County $1,413 $2,505
Abbeville $1,403 $2,488
Shorterville $1,420 $2,518
Fort Gaines $1,538 $2,812
Clayton $1,396 $2,475
Blue Springs $1,389 $2,463
Eufaula $1,434 $2,543

Bakerhill, 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) $1,208
Excellent (740-799) $1,379
Good (670-739) $1,467
Average (580-669) $1,914
Poor (300-579) $2,297

Bakerhill, 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
Young Johnston & Associates Inc. None 203 W Washington St, Abbeville, 36310 None
The Glover Agency Llc Allstate PO Box 833, Eufaula, 36072 (334) 687-0358
Trustway Insurance Allstate 119 Kirkland St, Abbeville, 36310 (334) 585-6425
Ron Abernathy State Farm 401 Kirkland St, Abbeville, 36310-2420 334-585-2271
Mcknight Agency Travelers 203 W WASHINGTON ST, ABBEVILLE, 36310 334-585-5210
Flowers Eufaula Llc Travelers 202 E Broad St Eufaula, Columbus, 36027 None
Tommy Pugh Insurance Agency Inc. None 12 Woodland Drive 12 Woodland Drive , Phenix City, 36869 None
The Witherington Insurance Group None 1200 Elba Hwy, Troy, 36079 (334) 566-1477

Bakerhill, 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 $1,470
Driver's Failure In Showing Documents +$137 $1,545
Driving With An Expired Registration +$145 $1,553
Driving At A Considerably Slow Pace +$306 $1,714
Using A Cellphone While Driving +$322 $1,730
Running A Red Light +$328 $1,736
Speeding +$345 $1,753
Driving A Vehicle Without The Required Permission +$438 $1,846
Driving With An Expired/Suspended License +$949 $2,357

Bakerhill, 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 $1,352
Active Disabling Device $1,352
Tracking Device $1,324
Passive Disabling Device $1,309