Bellamy, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bellamy, 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.
Unraveling the Puzzle: Bellamy's Car Insurance Rates in Detail, AL
Understanding car insurance rates in your locality can often seem like a complex puzzle. This article aims to unravel this complexity and provide a comprehensive look at the car insurance scene in Bellamy, Alabama, examining top competitors, their pricing, the role of quotes, rates, and agents, and factors influencing the insurance rates in this town.
Top Competitors and Their Pricing in Bellamy, AL
Bellamy is served by several top car insurance providers, each offering diverse rates based on their specific risk assessment models. Key competitors include State Farm, Allstate, Geico, and Progressive:
State Farm: Known for its robust coverage options, State Farm offers average annual premiums of around $1,200 in Bellamy.
Allstate: With a wide array of customizable policies, Allstate’s average annual car insurance rate in Bellamy sits around $1,300.
Geico: Famed for its affordable coverage options, Geico's average annual premium in Bellamy is approximately $1,150.
Progressive: Known for its flexible plans, Progressive's average annual premium in Bellamy is about $1,250
Analysis of Quotes, Rates & Agents
In the car insurance sector, quotes, rates, and agents are interrelated. Insurance companies set rates based on various risk factors, and these rates then determine the quotes that potential customers receive.
Local insurance agents in Bellamy, with their profound understanding of the area-specific risks, play a pivotal role in helping customers navigate these rates, find suitable coverage options, and potentially secure lower premiums.
Influencing Factors for Car Insurance Rates in Bellamy, AL
Car insurance rates in Bellamy are influenced by an array of factors:
Driver Profile: Age, gender, marital status, driving history, and credit score of the driver play a significant role. Typically, younger drivers, especially males, and those with a history of traffic violations or accidents face higher rates.
Vehicle Information: Details like the car's make, model, year, safety features, and likelihood of theft also contribute to the insurance rate. Premium and sporty vehicles usually come with higher premiums due to the increased risk of theft and accidents.
Location-Specific Factors: Factors unique to Bellamy, such as local crime rates, traffic density, and weather patterns, can also impact car insurance rates.
Coverage Level: The extent of coverage chosen directly influences the rate. More comprehensive coverage will understandably cost more than basic liability coverage.
Discounts: Insurance companies often offer discounts that can lower premiums. These can include discounts for a clean driving record, low annual mileage, bundling insurance policies, or equipping the vehicle with advanced safety features.
Understanding the multitude of factors influencing car insurance rates in Bellamy, AL, is crucial for finding the best-suited policy. By comparing prices from leading competitors, acknowledging the crucial role of agents in providing quotes and rates, and assessing area-specific factors, you can make a more informed decision and potentially lower your car insurance premium.
Factors that can influence the cost of car insurance in Bellamy, 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.
- Bellamy, AL Auto Insurance Rates
- Bellamy, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bellamy, AL
- Multi Vehicle Insurance Savings in Bellamy, AL
- How Credit Score Affects Car Insurance Rates in Bellamy, AL
- How DUI Affects Auto Insurance Premiums in Bellamy, AL
- Top Auto Insurance Agents Near Bellamy, AL
- How Driving Violations Affect Auto Insurance Rates in Bellamy, AL
- Bellamy, AL Auto Insurance Discounts on Anti Theft Feature
Bellamy, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bellamy, AL with that of other cities in and around Bellamy.
| Bellamy | Sumter County | Cuba | York | Demopolis | Belmont | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,372 | $1,391 | $1,408 | $1,365 | $1,442 | $1,998 |
Bellamy, 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 Bellamy, 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) |
|---|---|---|
| Bellamy | $1,278 | $1,080 |
| York | $1,549 | $1,308 |
| Belmont | $2,049 | $1,730 |
| Sumter County | $1,894 | $1,600 |
| Livingston | $2,741 | $2,315 |
| Cuba | $1,915 | $1,617 |
| Lisman | $1,452 | $1,227 |
| Demopolis | $1,040 | $879 |
Bellamy, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bellamy, 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 | $4,452 |
| 20 Years | $1,763 |
| 30 Years | $1,358 |
| 40 Years | $1,306 |
| 50 Years | $1,210 |
| 60 Years | $1,227 |
| 70 Years | $1,428 |
Bellamy, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bellamy, 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 | $2,415 | $329 |
| 3 Vehicles | $3,622 | $494 |
| 4 Vehicles | $4,829 | $659 |
Savings on 2 Vehicles bundle:$329
Savings on 3 Vehicles bundle:$494
Savings on 4 Vehicles bundle:$659
Bellamy, 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 Bellamy, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bellamy | $1,372 | $2,433 |
| York | $1,365 | $2,420 |
| Belmont | $1,998 | $3,542 |
| Sumter County | $1,391 | $2,466 |
| Livingston | $1,418 | $2,514 |
| Cuba | $1,408 | $2,496 |
| Lisman | $1,383 | $2,452 |
| Demopolis | $1,442 | $2,557 |
Bellamy, 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) | $1,177 |
| Excellent (740-799) | $1,344 |
| Good (670-739) | $1,430 |
| Average (580-669) | $1,865 |
| Poor (300-579) | $2,238 |
Bellamy, 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 |
|---|---|---|---|
| C S Jones Inc | Allstate | 406 4TH AVE, YORK, 36925 | 205-392-5509 |
| Joe Moore | State Farm | 104 West Main Street, Livingston, 35470 | 205-652-6735 |
| Kris Mullins Clu, Flmi | State Farm | 305 East Jefferson St, Demopolis, 36732 | 334-289-2643 |
| Hudgens Insurance, Inc. | None | 305 N Main St, Demopolis, 36732 | None |
| Marengo Insurance Agency | Travelers | 107 W Washington, Demopolis, 36732 | None |
Bellamy, 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 | $1,432 |
| Driver's Failure In Showing Documents | +$133 | $1,505 |
| Driving With An Expired Registration | +$141 | $1,513 |
| Driving At A Considerably Slow Pace | +$298 | $1,670 |
| Using A Cellphone While Driving | +$314 | $1,686 |
| Running A Red Light | +$320 | $1,692 |
| Speeding | +$336 | $1,708 |
| Driving A Vehicle Without The Required Permission | +$427 | $1,799 |
| Driving With An Expired/Suspended License | +$925 | $2,297 |
Bellamy, 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 | $1,317 |
| Active Disabling Device | $1,317 |
| Tracking Device | $1,290 |
| Passive Disabling Device | $1,276 |