Belmont, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Belmont, 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.
Car Insurance Rates in Belmont, AL: A Detailed Review
Car insurance rates can vary greatly from place to place due to several influencing factors. This article presents a detailed review of car insurance rates in Belmont, Alabama, highlighting the key competitors, their pricing, and an in-depth analysis of quotes, rates, and the role of insurance agents.
Top Competitors and Their Pricing in Belmont, AL
Belmont, Alabama, is served by numerous car insurance providers, each with distinct rates determined by their proprietary risk assessment models. Noteworthy competitors in the region include State Farm, Allstate, Geico, and Progressive:
State Farm: Recognized for its comprehensive coverage options, State Farm's average annual premium in Belmont is around $1,200.
Allstate: Providing a variety of customizable policies, Allstate’s average annual car insurance rate in Belmont is approximately $1,350.
Geico: Known for its economical policies, Geico's average annual premium in Belmont is about $1,250.
Progressive: Offering a broad range of policy options, Progressive's average annual premium in Belmont is approximately $1,300.
Analysis of Quotes, Rates & Agents
Insurance quotes and rates are primarily determined by the underwriting process of insurance companies, which assesses risk factors associated with the driver, the vehicle, and the area. Insurance agents, particularly local ones, play a crucial role in helping customers understand these rates and identify the most suitable coverage options.
Agents in Belmont, with their detailed knowledge of local factors and risks, can provide invaluable assistance to customers, helping them navigate through various quotes and potentially secure lower premiums.
Factors Influencing Car Insurance Rates in Belmont, AL
Car insurance rates in Belmont are subject to several influencing factors:
Driver Profile: The driver's age, gender, marital status, driving record, and credit score can significantly impact insurance rates. Typically, younger drivers, especially males, and those with a history of driving violations or poor credit scores, are likely to face higher premiums.
Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle can influence insurance rates. High-end vehicles and sports cars generally come with higher premiums due to the increased risk of theft and accidents.
Location-Specific Factors: Factors unique to Belmont, such as local crime rates, traffic congestion, and weather conditions, can also affect car insurance rates.
Coverage Level: The level of coverage chosen directly impacts the insurance rate. Understandably, more comprehensive coverage comes at a higher cost than basic liability coverage.
Discounts: Insurance companies often offer discounts that can help lower premiums. These can include discounts for maintaining a clean driving record, driving low annual miles, bundling insurance policies, or installing advanced safety features in the vehicle.
Understanding the dynamics of car insurance rates in Belmont, AL, is vital for choosing the best-suited policy for your needs. By comparing prices from leading competitors, recognizing the significant role of agents in providing quotes and rates, and considering the local and personal factors influencing insurance costs, residents can make more informed decisions about their car insurance policies.
Factors that can influence the cost of car insurance in Belmont, 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.
- Belmont, AL Auto Insurance Rates
- Belmont, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Belmont, AL
- Multi Vehicle Insurance Savings in Belmont, AL
- How Credit Score Affects Car Insurance Rates in Belmont, AL
- How DUI Affects Auto Insurance Premiums in Belmont, AL
- Top Auto Insurance Agents Near Belmont, AL
- How Driving Violations Affect Auto Insurance Rates in Belmont, AL
- Belmont, AL Auto Insurance Discounts on Anti Theft Feature
Belmont, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Belmont, AL with that of other cities in and around Belmont.
| Belmont | Demopolis | Epes | Forkland | Sumter County | Bellamy | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,998 | $1,442 | $1,385 | $1,347 | $1,391 | $1,372 |
Belmont, 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 Belmont, 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) |
|---|---|---|
| Belmont | $2,049 | $1,730 |
| Demopolis | $1,040 | $879 |
| Bellamy | $1,278 | $1,080 |
| Forkland-Tishabee | $1,152 | $973 |
| Forkland | $1,842 | $1,556 |
| York | $1,549 | $1,308 |
| Sumter County | $1,894 | $1,600 |
| Epes | $1,279 | $1,081 |
Belmont, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Belmont, 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 | $6,483 |
| 20 Years | $2,567 |
| 30 Years | $1,977 |
| 40 Years | $1,902 |
| 50 Years | $1,762 |
| 60 Years | $1,786 |
| 70 Years | $2,079 |
Belmont, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Belmont, 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 | $3,437 | $559 |
| 3 Vehicles | $5,155 | $839 |
| 4 Vehicles | $6,873 | $1,119 |
Savings on 2 Vehicles bundle:$559
Savings on 3 Vehicles bundle:$839
Savings on 4 Vehicles bundle:$1,119
Belmont, 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 Belmont, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Belmont | $1,998 | $3,542 |
| Demopolis | $1,442 | $2,557 |
| Bellamy | $1,372 | $2,433 |
| Forkland-Tishabee | $1,374 | $2,436 |
| Forkland | $1,347 | $2,388 |
| York | $1,365 | $2,420 |
| Sumter County | $1,391 | $2,466 |
| Epes | $1,385 | $2,456 |
Belmont, 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) | $1,714 |
| Excellent (740-799) | $1,957 |
| Good (670-739) | $2,082 |
| Average (580-669) | $2,716 |
| Poor (300-579) | $3,259 |
Belmont, 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 |
| Anchor Insurance Dba Marion Insurance Agency | None | P O Box 510 , Marion, 36756 | None |
Belmont, 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 | +$88 | $2,086 |
| Driver's Failure In Showing Documents | +$194 | $2,192 |
| Driving With An Expired Registration | +$206 | $2,204 |
| Driving At A Considerably Slow Pace | +$434 | $2,432 |
| Using A Cellphone While Driving | +$458 | $2,456 |
| Running A Red Light | +$466 | $2,464 |
| Speeding | +$490 | $2,488 |
| Driving A Vehicle Without The Required Permission | +$621 | $2,619 |
| Driving With An Expired/Suspended License | +$1,347 | $3,345 |
Belmont, 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 | $1,918 |
| Active Disabling Device | $1,918 |
| Tracking Device | $1,878 |
| Passive Disabling Device | $1,858 |