Bear Creek Auto Insurance Rates, Quotes, Agents & Reviews in AL

Bear Creek, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bear Creek, 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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Car Insurance Rates in Bear Creek, AL: Factors and Trends

Understanding the dynamics of car insurance rates can be an overwhelming task, especially with rates varying by location and across different insurance providers. This article aims to provide an overview of the car insurance scene in Bear Creek, Alabama, including the top competitors, their prices, and the factors and trends that influence the rates.

Key Competitors and Prices in Bear Creek, AL

In Bear Creek, several top car insurance companies compete, offering varying prices based on an array of factors. The prominent competitors include State Farm, Allstate, Geico, and Progressive:

  • State Farm: As one of the largest auto insurance providers in the U.S, State Farm offers comprehensive plans in Bear Creek with an average annual premium of around $1,200.

  • Allstate: Known for its wide range of customizable plans, Allstate’s average annual car insurance rates in Bear Creek sit around $1,300.

  • Geico: With a reputation for affordable coverage, Geico's average annual premium in Bear Creek is approximately $1,150.

  • Progressive: Offering a plethora of flexible options, Progressive's average annual premium in Bear Creek is around $1,250.

An Examination of Quotes, Rates & Agents

In the car insurance industry, quotes, rates, and agents are interconnected. The rates set by insurance companies influence the quotes customers receive. These rates are influenced by an array of factors, including the risk associated with insuring the driver, the vehicle, and the location.

Local insurance agents in Bear Creek are familiar with the city's unique risk factors and can help customers find coverage best suited to their needs, potentially lowering their rates.

Influential Factors and Trends in Bear Creek, AL

Various factors influence car insurance rates in Bear Creek:

  • Driver Profile: The driver's age, gender, marital status, driving history, and credit score impact the insurance rates. Generally, younger drivers, particularly males, have higher rates due to perceived risk. Likewise, drivers with a history of accidents or traffic violations typically pay more.

  • Vehicle Information: The car's make, model, year, safety features, and theft likelihood can also affect insurance rates. High-end, sportier vehicles usually carry higher premiums due to increased risk of accidents and theft.

  • Location-Specific Factors: Being a small town, Bear Creek has its own unique factors influencing car insurance rates. The crime rate, traffic density, and weather patterns can all contribute to premiums.

  • Coverage Level: Naturally, more extensive coverage comes with a higher price tag. Comprehensive coverage will cost more than basic liability coverage.

  • Discounts: Many insurance companies offer discounts that can lower insurance rates. These can be for maintaining a clean driving record, having a low annual mileage, bundling insurance policies, or equipping the vehicle with advanced safety features.

Understanding the various factors and trends affecting car insurance rates in Bear Creek, AL, is crucial for finding the best policy. By comparing prices from top competitors, considering the influence of quotes, rates, and agents, and analyzing the unique factors specific to the area, you can make an informed decision and potentially lower your car insurance premiums.

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

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

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

Bear Creek Natural Bridge Marion County Hackleburg Brilliant Phil Campbell
Average Insurance Rates $1,368 $1,953 $1,410 $1,406 $1,395 $1,390

Bear Creek, 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 Bear Creek, 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)
Bear Creek $1,866 $1,576
Hackleburg $1,256 $1,061
Haleyville $1,441 $1,217
Marion County $2,119 $1,790
Phil Campbell $1,217 $1,028
Brilliant $1,379 $1,165
Natural Bridge $2,012 $1,699
Spruce Pine $2,151 $1,817

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

Teenagers in Bear Creek, 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 $4,439
20 Years $1,758
30 Years $1,354
40 Years $1,303
50 Years $1,206
60 Years $1,223
70 Years $1,424

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

Car owners in Bear Creek, 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 $2,408 $328
3 Vehicles $3,612 $492
4 Vehicles $4,815 $657

Savings on 2 Vehicles bundle:$328

Savings on 3 Vehicles bundle:$492

Savings on 4 Vehicles bundle:$657

Bear Creek, 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 Bear Creek, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Bear Creek $1,368 $2,425
Hackleburg $1,406 $2,493
Haleyville $1,399 $2,480
Marion County $1,410 $2,500
Phil Campbell $1,390 $2,464
Brilliant $1,395 $2,473
Natural Bridge $1,953 $3,463
Spruce Pine $2,088 $3,702

Bear Creek, 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) $1,174
Excellent (740-799) $1,340
Good (670-739) $1,425
Average (580-669) $1,860
Poor (300-579) $2,231

Bear Creek, 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
Haleyville Insurance Center Liberty Mutual Independent 2012 9th Ave, Haleyville, 35565 (205) 486-7575
Ball And Associates Inc Travelers 2311 21ST ST, HALEYVILLE, 35565 205-486-5281
Clayton Colvard Allstate 42226 Highway 195, Haleyville, 35565 (205) 545-2006
Todd Barton State Farm 1123 20th St, Haleyville, 35565-1550 205-486-2776
Bristol Haughton Ins None P O Box 898, Haleyville, 35565 None
Vincent Lindsey Allstate 964 Cox Creek Pkwy, Florence, 35633 (256) 712-5379
Allen Insurance Travelers 302 1ST AVENUE SE STE A, DECATUR, 35601 256-308-9800
Hayes-Rasbury Insurance Agency Inc Nationwide 2022 6th Ave SE STE B, Decatur, 35601-6568 (256) 350-6315

Bear Creek, 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 +$60 $1,428
Driver's Failure In Showing Documents +$133 $1,501
Driving With An Expired Registration +$141 $1,509
Driving At A Considerably Slow Pace +$297 $1,665
Using A Cellphone While Driving +$313 $1,681
Running A Red Light +$319 $1,687
Speeding +$335 $1,703
Driving A Vehicle Without The Required Permission +$425 $1,793
Driving With An Expired/Suspended License +$922 $2,290

Bear Creek, 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 $1,313
Active Disabling Device $1,313
Tracking Device $1,286
Passive Disabling Device $1,272