Barbour County, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Barbour County, 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.
Investigating Car Insurance Rates in Barbour County, AL
Barbour County's rural landscape and lower traffic densities usually work to the advantage of local drivers when securing affordable car insurance. However, various factors can contribute to higher rates, including certain risk factors specific to the county.
Leading Competitors and Their Pricing
In the fiercely competitive auto insurance market in Barbour County, there are several key players that have emerged as top providers:
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State Farm: Offering broad coverage options, State Farm charges an average premium of about $1,300 per year in Barbour County.
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Allstate: Allstate is another major contender in the market, with an average yearly premium of around $1,400. They offer a multitude of discount options, especially for safe drivers.
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Geico: Geico is popular for its competitive pricing and is generally cheaper in Barbour County, with an average annual premium of approximately $1,200. They also offer a host of discounts and customizable coverage options.
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Progressive: Progressive caters primarily to drivers with non-perfect records, which is reflected in their slightly higher average annual premium of $1,550. They do, however, offer multiple discounts and customizable coverage.
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Alfa Insurance: As a local provider in Alabama, Alfa Insurance understands the local market quite well. Their average annual premium in Barbour County is approximately $1,300.
Quotes, Rates, & Agents Analysis
The range of car insurance quotes in Barbour County is influenced by the individual characteristics of the insured and the local conditions. The quotes are essentially an estimate of how likely a driver is to file a claim.
In this context, insurance agents become vital assets. Knowledgeable agents can guide customers in selecting the right coverage by taking into account the local risks, laws, and personal needs of the customer.
Factors Influencing Insurance Rates in Barbour County, AL
Driver's Profile: As is typical, the driver's age, gender, marital status, and driving record significantly affect insurance premiums. Drivers with clean records are rewarded with lower premiums.
Vehicle Details: The vehicle's make, model, and age are key determinants of the premium. High-value cars, which are more expensive to repair or replace, generally come with higher premiums.
Local Weather Conditions: Weather conditions in Barbour County can sometimes be harsh, with tornadoes and storms occasionally wreaking havoc. Such conditions can contribute to higher accident rates and, subsequently, higher insurance premiums.
Crime Rates: While Barbour County generally enjoys a relatively low crime rate, instances of car theft or vandalism can still drive up insurance costs.
Credit Score: A higher credit score can often lead to lower premium rates, as it's used as a measure of risk by insurance companies.
Coverage and Deductibles: Premiums tend to increase with higher levels of coverage and lower deductibles.
Car insurance rates in Barbour County, AL, are shaped by a host of interconnected factors. When comparing quotes and selecting coverage, customers should consider these local influences and their personal circumstances. Maximizing the available discounts and tailoring coverage options can ensure that drivers get the best value for their money.
Factors that can influence the cost of car insurance in Barbour County, 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.
- Barbour County, AL Auto Insurance Rates
- Barbour County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Barbour County, AL
- Multi Vehicle Insurance Savings in Barbour County, AL
- How Credit Score Affects Car Insurance Rates in Barbour County, AL
- How DUI Affects Auto Insurance Premiums in Barbour County, AL
- Top Auto Insurance Agents Near Barbour County, AL
- How Driving Violations Affect Auto Insurance Rates in Barbour County, AL
- Barbour County, AL Auto Insurance Discounts on Anti Theft Feature
Barbour County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Barbour County, AL with that of other cities in and around Barbour County.
| Barbour County | Clio | Blue Springs | Clayton | Bakerhill | Louisville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,413 | $1,395 | $1,389 | $1,396 | $1,408 | $1,397 |
Barbour County, 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 Barbour County, 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) |
|---|---|---|
| Barbour County | $1,455 | $1,229 |
| Clayton | $1,221 | $1,031 |
| Bakerhill | $1,915 | $1,617 |
| Louisville | $1,109 | $937 |
| Eufaula | $1,946 | $1,643 |
| Blue Springs | $1,334 | $1,127 |
| Clio | $1,437 | $1,214 |
| Midway | $1,439 | $1,215 |
Barbour County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Barbour County, 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 | $4,585 |
| 20 Years | $1,816 |
| 30 Years | $1,398 |
| 40 Years | $1,345 |
| 50 Years | $1,246 |
| 60 Years | $1,263 |
| 70 Years | $1,471 |
Barbour County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Barbour County, 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 | $2,459 | $367 |
| 3 Vehicles | $3,688 | $551 |
| 4 Vehicles | $4,917 | $735 |
Savings on 2 Vehicles bundle:$367
Savings on 3 Vehicles bundle:$551
Savings on 4 Vehicles bundle:$735
Barbour County, 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 Barbour County, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Barbour County | $1,413 | $2,505 |
| Clayton | $1,396 | $2,475 |
| Bakerhill | $1,408 | $2,496 |
| Louisville | $1,397 | $2,477 |
| Eufaula | $1,434 | $2,543 |
| Blue Springs | $1,389 | $2,463 |
| Clio | $1,395 | $2,473 |
| Midway | $1,386 | $2,457 |
Barbour County, 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) | $1,212 |
| Excellent (740-799) | $1,384 |
| Good (670-739) | $1,472 |
| Average (580-669) | $1,921 |
| Poor (300-579) | $2,305 |
Barbour County, 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 |
|---|---|---|---|
| The Glover Agency Llc | Allstate | PO Box 833, Eufaula, 36072 | (334) 687-0358 |
| Charles Bowman | Farmers | 204 E Broad St, Eufaula, 36027 | (334) 687-8234 |
| Young Johnston & Associates, Inc. | None | 243 E Barbour St Eufaula, Columbus, 36027 | None |
| Janice Henderson | State Farm | 2310 Crawford Road, Phenix City, 36867-3612 | 334-297-2337 |
| Janice Henderson | State Farm | 2310 Crawford Road, Phenix City, 36867-3612 | 334-297-2337 |
| Janice Henderson | State Farm | 2310 Crawford Road, Phenix City, 36867-3612 | 334-297-2337 |
Barbour County, 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 | $1,475 |
| Driver's Failure In Showing Documents | +$137 | $1,550 |
| Driving With An Expired Registration | +$146 | $1,559 |
| Driving At A Considerably Slow Pace | +$307 | $1,720 |
| Using A Cellphone While Driving | +$324 | $1,737 |
| Running A Red Light | +$329 | $1,742 |
| Speeding | +$346 | $1,759 |
| Driving A Vehicle Without The Required Permission | +$439 | $1,852 |
| Driving With An Expired/Suspended License | +$952 | $2,365 |
Barbour County, 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 | $1,356 |
| Active Disabling Device | $1,356 |
| Tracking Device | $1,328 |
| Passive Disabling Device | $1,314 |