Barbour County Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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:

  • State Farm: Offering broad coverage options, State Farm charges an average premium of about $1,300 per year in Barbour County.

  • 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.

  • 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.

  • 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.

  • 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 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