Beatrice Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 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