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.
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 Rates
- Bellwood, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bellwood, AL
- Multi Vehicle Insurance Savings in Bellwood, AL
- How Credit Score Affects Car Insurance Rates in Bellwood, AL
- How DUI Affects Auto Insurance Premiums in Bellwood, AL
- Top Auto Insurance Agents Near Bellwood, AL
- How Driving Violations Affect Auto Insurance Rates in Bellwood, AL
- Bellwood, AL Auto Insurance Discounts on Anti Theft Feature
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 |