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

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

Zimlon, through its research, found that car owners in Ballplay, 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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Unveiling the Factors that Influence Car Insurance Rates in Ballplay, AL

Auto insurance rates in Ballplay are relatively moderate compared to national averages, but specific factors lead to variations in pricing. This small community, like many rural areas in Alabama, has lower traffic densities and accident rates, which can positively influence insurance premiums. However, local risk factors, such as weather conditions and crime rates, also play a role in shaping these rates.

Top Competitors and Their Prices

The car insurance market in Ballplay, AL is highly competitive, with several national and local providers vying for customers.

  • State Farm: As one of the largest insurance providers in the country, State Farm offers comprehensive coverage options. The average premium for State Farm customers in Ballplay is approximately $1,400 per year.

  • Allstate: Allstate's coverage extends to Ballplay, where the average premium sits around $1,500 per year. They offer several discounts to safe drivers and those who bundle their insurance policies.

  • Geico: Known for competitive pricing, Geico's average premium in Ballplay is approximately $1,250 per year. The company offers numerous discounts and coverage customization options.

  • Progressive: Progressive tends to cater to drivers with less-than-perfect records, making their average premium slightly higher, around $1,600 per year in Ballplay. However, they offer a range of discounts and the ability to customize policies to suit individual needs.

  • Alfa Insurance: A local player in Alabama, Alfa Insurance has a strong understanding of the local market. Their average annual premium in Ballplay is approximately $1,350.

Quotes, Rates, & Agents Analysis

Car insurance quotes in Ballplay can vary widely based on several factors related to the insured's profile and local risks. The quotes usually reflect the insurance company's assessment of how likely a driver is to file a claim.

Professional insurance agents play a significant role in this process. Agents with in-depth knowledge of Ballplay's specific factors can help guide customers to the most suitable coverage options, taking into account the local risks, laws, and customer's personal requirements.

Factors Influencing Insurance Rates in Ballplay, AL

1. Driver's Profile: The age, gender, marital status, and driving history of a driver significantly influence the insurance rates. Younger drivers, especially males, often face higher premiums due to their higher risk of accidents. Simultaneously, drivers with clean records usually enjoy lower premiums.

2. Vehicle Type: The make, model, and age of the car play a substantial role. Vehicles that are expensive to repair or replace, such as luxury cars, typically attract higher premiums.

3. Local Weather Conditions: Ballplay, like many parts of Alabama, is susceptible to severe weather conditions such as tornadoes and thunderstorms. Such conditions can lead to higher accident rates, impacting insurance premiums.

4. Crime Rates: While Ballplay has a relatively low crime rate, any incidence of car theft or vandalism in the area can contribute to higher insurance costs.

5. Credit Score: Insurance companies often use credit scores as a predictor of risk. Drivers with good credit scores are more likely to secure lower premiums.

6. Coverage and Deductibles: Higher levels of coverage and lower deductibles naturally lead to higher premium costs.

Car insurance rates in Ballplay, AL, are influenced by a complex web of factors that includes both the driver's personal circumstances and local conditions. Customers should take these into account when comparing rates and negotiating coverage with their agents. It's also crucial to take advantage of discounts and customization options offered by insurance providers to get the best value for your money.

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

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

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

Ballplay Cherokee County Hokes Bluff Tidmore Bend Centre Coats Bend
Average Insurance Rates $1,390 $1,443 $1,447 $1,423 $1,451 $1,408

Ballplay, 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 Ballplay, 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)
Ballplay $1,893 $1,599
Hokes Bluff $1,214 $1,026
Coats Bend $1,551 $1,310
Turkeytown $1,690 $1,428
Tidmore Bend $1,689 $1,427
Centre $1,652 $1,395
Cherokee County $1,465 $1,237
Glencoe $2,822 $2,384

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

Teenagers in Ballplay, 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 $4,510
20 Years $1,786
30 Years $1,376
40 Years $1,324
50 Years $1,226
60 Years $1,243
70 Years $1,447

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

Car owners in Ballplay, 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 $2,446 $334
3 Vehicles $3,670 $500
4 Vehicles $4,893 $667

Savings on 2 Vehicles bundle:$334

Savings on 3 Vehicles bundle:$500

Savings on 4 Vehicles bundle:$667

Ballplay, 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 Ballplay, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Ballplay $1,390 $2,464
Hokes Bluff $1,447 $2,566
Coats Bend $1,408 $2,496
Turkeytown $1,425 $2,527
Tidmore Bend $1,423 $2,523
Centre $1,451 $2,573
Cherokee County $1,443 $2,558
Glencoe $1,461 $2,590

Ballplay, 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) $1,193
Excellent (740-799) $1,361
Good (670-739) $1,448
Average (580-669) $1,890
Poor (300-579) $2,267

Ballplay, 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
Andrew Anderton Allstate 538 Main St W, Glencoe, 35905 (256) 494-8240
Jeffery Bellew Allstate 1906 Rainbow Dr, Gadsden, 35901 (256) 547-4211
Blaise Jarecki State Farm 1100 E Meighan Blvd, Gadsden, 35903-1902 256-494-9850
Hodges Ford Insurance Agency Inc Travelers 2727 RAINBOW DR, RAINBOW CITY, 35906 256-413-7611
Randy Jones & Associates Inc Nationwide 301 South Fifth Street, Gadsden, 35901-4223 (256) 543-9594
Alan Murphy State Farm 227 Cullman Rd, Arab, 35016-1356 256-586-2644
Bob Haller State Farm 1720 Rainbow Dr Ste A, Gadsden, 35901-5502 256-543-2400
Clarks Ins Cntr Allstate 106 Court Sq S, Talladega, 35160 (256) 362-3548

Ballplay, 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 +$61 $1,451
Driver's Failure In Showing Documents +$135 $1,525
Driving With An Expired Registration +$143 $1,533
Driving At A Considerably Slow Pace +$302 $1,692
Using A Cellphone While Driving +$318 $1,708
Running A Red Light +$324 $1,714
Speeding +$341 $1,731
Driving A Vehicle Without The Required Permission +$432 $1,822
Driving With An Expired/Suspended License +$937 $2,327

Ballplay, 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 $1,334
Active Disabling Device $1,334
Tracking Device $1,307
Passive Disabling Device $1,293