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

Bellwood, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bellwood, 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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Bellwood, AL: An Examination of Local Car Insurance Rates

Understanding car insurance rates in your area can significantly impact your financial planning. In this article, we dive into the nuances of local car insurance rates in Bellwood, Alabama, providing a comprehensive overview of top competitors, their pricing, and a critical analysis of quotes, rates, and agents.

Leading Competitors and Their Pricing in Bellwood, AL

Several major car insurance providers are actively serving Bellwood, each offering different rates based on their unique risk assessment models. The top competitors in this region are State Farm, Allstate, Geico, and Progressive:

State Farm: State Farm, renowned for its extensive coverage options, offers an average annual premium of around $1,200 in Bellwood.

Allstate: Allstate, recognized for its customizable policies, has an average annual car insurance rate of approximately $1,300 in Bellwood.

Geico: Known for its affordable plans, Geico's average annual premium in Bellwood stands at about $1,150.

Progressive: Progressive, admired for its flexible coverage options, has an average annual premium of approximately $1,250 in Bellwood.

Analysis of Quotes, Rates & Agents

The landscape of insurance quotes and rates is primarily determined by insurance companies' risk perception. The insurance agents, especially those locally based, play a significant role in navigating these complex waters and providing suitable coverage options for customers.

Insurance agents in Bellwood, with their profound knowledge of the area-specific factors influencing risk, are uniquely equipped to help customers understand the various quotes and secure potentially lower premiums.

Factors Influencing Car Insurance Rates in Bellwood, AL

Car insurance rates in Bellwood are influenced by several factors:

Driver Profile: The driver's age, gender, marital status, driving record, and credit score significantly impact rates. Younger drivers, particularly males, and those with poor driving records or credit scores, often face higher premiums.

Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle also affect the insurance rate. High-end vehicles and sports cars usually attract higher premiums due to the increased risk of theft and accidents.

Location-Specific Factors: Local crime rates, traffic density, and weather conditions unique to Bellwood can also influence car insurance rates.

Coverage Level: The choice of coverage level directly impacts the premium. More comprehensive coverage will, understandably, cost more than basic liability coverage.

Discounts: Insurance companies often offer discounts that can significantly lower premiums. These can range from discounts for maintaining a clean driving record, low annual mileage, bundling insurance policies, or having advanced safety features in the vehicle.

Understanding the dynamics of car insurance rates in Bellwood, AL, is crucial for getting the best policy for your specific needs. By comparing the prices offered by leading competitors, acknowledging the important role of agents in navigating quotes and rates, and considering the local factors impacting insurance costs, residents can make more informed decisions about their car insurance policies.

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

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

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

Bellwood-Coffee Springs Eunola Clayhatchee Coffee Springs Goodman Geneva County
Average Insurance Rates $1,445 $1,953 $1,425 $1,409 $1,420 $1,411

Bellwood, 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 Bellwood, 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)
Bellwood-Coffee Springs $1,438 $1,215
Coffee Springs $1,595 $1,348
Geneva County $1,621 $1,369
Geneva $1,278 $1,080
Eunola $2,012 $1,699
Hartford $1,483 $1,253
Goodman $1,418 $1,198
Clayhatchee $1,476 $1,247

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

Teenagers in Bellwood, 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 $4,689
20 Years $1,857
30 Years $1,430
40 Years $1,376
50 Years $1,274
60 Years $1,292
70 Years $1,504

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

Car owners in Bellwood, 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 $2,514 $376
3 Vehicles $3,771 $564
4 Vehicles $5,029 $751

Savings on 2 Vehicles bundle:$376

Savings on 3 Vehicles bundle:$564

Savings on 4 Vehicles bundle:$751

Bellwood, 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 Bellwood, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Bellwood-Coffee Springs $1,445 $2,562
Coffee Springs $1,409 $2,498
Geneva County $1,411 $2,502
Geneva $1,418 $2,514
Eunola $1,953 $3,463
Hartford $1,433 $2,541
Goodman $1,420 $2,518
Clayhatchee $1,425 $2,527

Bellwood, 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) $1,240
Excellent (740-799) $1,415
Good (670-739) $1,506
Average (580-669) $1,964
Poor (300-579) $2,357

Bellwood, 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
Melanie Garner State Farm 112 S Commerce St, Geneva, 36340-2211 334-684-3627
Mark Goodson Allstate 804 Boll Weevil Cir, Enterprise, 36330 (334) 347-3333
Mary Grimes Farmers 1208 Rucker Blvd Ste B, Enterprise, 36330 (334) 347-2544
Jeremy Hilton State Farm 3 W Pointe Ct Ste C, Enterprise, 36330-1387 334-347-4500
Enterprise Insurance Services Llc Travelers 730 GLOVER AVE, ENTERPRISE, 36330 334-347-9133
Sconyers In Ag Inc Allstate 106 Commerce St., Geneva, 36340 (334) 684-2022
Witherington Insurance Group Travelers 1200 ELBA HWY, TROY, 36079 334-566-1477
Sconyers Ins Agcy Inc None P O Box 87, Geneva, 36340 None

Bellwood, 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 +$64 $1,509
Driver's Failure In Showing Documents +$140 $1,585
Driving With An Expired Registration +$149 $1,594
Driving At A Considerably Slow Pace +$314 $1,759
Using A Cellphone While Driving +$331 $1,776
Running A Red Light +$337 $1,782
Speeding +$354 $1,799
Driving A Vehicle Without The Required Permission +$449 $1,894
Driving With An Expired/Suspended License +$974 $2,419

Bellwood, 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 $1,387
Active Disabling Device $1,387
Tracking Device $1,358
Passive Disabling Device $1,344