Beatrice, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Beatrice, 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.
A Comparative Study on Beatrice's Car Insurance Rates, AL
Understanding the dynamics of car insurance rates can be crucial in making informed decisions about auto coverage. In this article, we explore the factors influencing car insurance rates in Beatrice, Alabama, and present a comparative study of the offerings from the leading insurance companies in the area.
Leading Competitors and Their Pricing in Beatrice, AL
Several reputable insurance providers operate in Beatrice, each offering different rates based on their risk evaluation models. The top competitors include State Farm, Allstate, Geico, and Progressive:
State Farm: As one of the most recognized insurance providers in the country, State Farm offers average annual premiums of around $1,200 in Beatrice.
Allstate: Offering a variety of customizable policies, Allstate’s average annual rates in Beatrice hover around $1,300.
Geico: Renowned for its affordable plans, Geico's average annual premium in Beatrice is approximately $1,150.
Progressive: Progressive’s flexible offerings cater to a wide demographic, with an average annual premium of roughly $1,250 in Beatrice.
Analysis of Quotes, Rates & Agents
The insurance quotes you receive are determined by the rates set by insurance companies. These rates are primarily based on the perceived risk associated with insuring the driver, the vehicle, and the location. Agents, who are well-acquainted with the local factors influencing these risks, play a vital role in providing suitable coverage options.
Insurance agents in Beatrice, with their local knowledge, are uniquely equipped to help customers navigate these rates and quotes, potentially helping them secure lower premiums and adequate coverage.
Factors Influencing Car Insurance Rates in Beatrice, AL
Various elements come into play when determining car insurance rates in Beatrice:
Driver Profile: This includes factors like the driver's age, gender, marital status, driving history, and credit score. Younger drivers, especially males, and those with a record of traffic violations or accidents typically face higher rates.
Vehicle Type: The make, model, year, safety features, and the likelihood of theft of the vehicle all influence the insurance rate. Premium vehicles and sports cars generally incur higher premiums due to increased risk of theft and accidents.
Location-Specific Factors: Factors unique to Beatrice, such as local crime rates, traffic density, and even weather conditions, can impact insurance rates.
Coverage Level: The chosen level of coverage directly affects the rate. More comprehensive coverage will naturally cost more than basic liability coverage.
Discounts: Many insurance companies offer discounts that can lower premiums. These can include discounts for maintaining a clean driving record, low annual mileage, bundling insurance policies, or having advanced safety features in the vehicle.
An understanding of the factors influencing car insurance rates in Beatrice, AL, is vital for obtaining the best policy for your needs. By comparing prices from leading competitors and acknowledging the significant role of agents in the provision of quotes and rates, you can make a more informed decision and potentially secure a lower premium for your car insurance.
Factors that can influence the cost of car insurance in Beatrice, 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.
- Beatrice, AL Auto Insurance Rates
- Beatrice, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Beatrice, AL
- Multi Vehicle Insurance Savings in Beatrice, AL
- How Credit Score Affects Car Insurance Rates in Beatrice, AL
- How DUI Affects Auto Insurance Premiums in Beatrice, AL
- Top Auto Insurance Agents Near Beatrice, AL
- How Driving Violations Affect Auto Insurance Rates in Beatrice, AL
- Beatrice, AL Auto Insurance Discounts on Anti Theft Feature
Beatrice, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Beatrice, AL with that of other cities in and around Beatrice.
| Beatrice | Peterman | Vredenburgh | Wilcox County | Coy-Fatama | Oak Hill | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,356 | $1,366 | $1,372 | $1,404 | $1,376 | $1,953 |
Beatrice, 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 Beatrice, 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) |
|---|---|---|
| Beatrice | $1,370 | $1,157 |
| Oak Hill | $2,012 | $1,699 |
| Lyeffion | $1,225 | $1,034 |
| Peterman | $1,781 | $1,504 |
| Pine Apple | $1,859 | $1,570 |
| Coy-Fatama | $1,512 | $1,277 |
| Vredenburgh | $1,542 | $1,302 |
| Wilcox County | $1,580 | $1,335 |
Beatrice, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Beatrice, 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 | $4,400 |
| 20 Years | $1,742 |
| 30 Years | $1,342 |
| 40 Years | $1,291 |
| 50 Years | $1,196 |
| 60 Years | $1,212 |
| 70 Years | $1,411 |
Beatrice, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Beatrice, 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 | $2,305 | $407 |
| 3 Vehicles | $3,458 | $610 |
| 4 Vehicles | $4,610 | $814 |
Savings on 2 Vehicles bundle:$407
Savings on 3 Vehicles bundle:$610
Savings on 4 Vehicles bundle:$814
Beatrice, 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 Beatrice, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Beatrice | $1,356 | $2,404 |
| Oak Hill | $1,953 | $3,463 |
| Lyeffion | $1,402 | $2,486 |
| Peterman | $1,366 | $2,422 |
| Pine Apple | $1,361 | $2,413 |
| Coy-Fatama | $1,376 | $2,440 |
| Vredenburgh | $1,372 | $2,433 |
| Wilcox County | $1,404 | $2,489 |
Beatrice, 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) | $1,163 |
| Excellent (740-799) | $1,328 |
| Good (670-739) | $1,413 |
| Average (580-669) | $1,843 |
| Poor (300-579) | $2,212 |
Beatrice, 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 |
|---|---|---|---|
| Colquett Insurance Agency | Travelers | 19 N Mt Pleasant Ave, Monroeville, 36460 | None |
| Horton Insurance | Travelers | PO BOX 2190, EAST BREWTON, 36427 | 251-867-5565 |
| Rebecca Chastain | Allstate | 4413 N College Ave, Jackson, 36545 | (251) 247-0717 |
| Bob Myers | State Farm | 1009 Highland Ave, Selma, 36701-4960 | 334-875-1080 |
| Hunter Hines | State Farm | 210 Claiborne St, Camden, 36726-1714 | 334-682-4713 |
| John Brown | State Farm | 3921 N College Ave, Jackson, 36545-2026 | 251-246-0385 |
| Bancorpsouth Insurance Services Inc | Liberty Mutual Independent | 1012 Douglas Ave, Brewton, 36426 | (251) 368-2106 |
| Parker Waller Agency Of Alabama Llc | Travelers | 401 CEDAR ST, GREENVILLE, 36037 | 334-382-1234 |
Beatrice, 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 | $1,416 |
| Driver's Failure In Showing Documents | +$132 | $1,488 |
| Driving With An Expired Registration | +$140 | $1,496 |
| Driving At A Considerably Slow Pace | +$294 | $1,650 |
| Using A Cellphone While Driving | +$311 | $1,667 |
| Running A Red Light | +$316 | $1,672 |
| Speeding | +$332 | $1,688 |
| Driving A Vehicle Without The Required Permission | +$422 | $1,778 |
| Driving With An Expired/Suspended License | +$914 | $2,270 |
Beatrice, 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 | $1,302 |
| Active Disabling Device | $1,302 |
| Tracking Device | $1,275 |
| Passive Disabling Device | $1,261 |