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.
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:
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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.
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Allstate: Known for its wide range of customizable plans, Allstate’s average annual car insurance rates in Bear Creek sit around $1,300.
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Geico: With a reputation for affordable coverage, Geico's average annual premium in Bear Creek is approximately $1,150.
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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:
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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.
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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.
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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.
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Coverage Level: Naturally, more extensive coverage comes with a higher price tag. Comprehensive coverage will cost more than basic liability coverage.
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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 Rates
- Bear Creek, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bear Creek, AL
- Multi Vehicle Insurance Savings in Bear Creek, AL
- How Credit Score Affects Car Insurance Rates in Bear Creek, AL
- How DUI Affects Auto Insurance Premiums in Bear Creek, AL
- Top Auto Insurance Agents Near Bear Creek, AL
- How Driving Violations Affect Auto Insurance Rates in Bear Creek, AL
- Bear Creek, AL Auto Insurance Discounts on Anti Theft Feature
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 |