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

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

Zimlon, through its research, found that car owners in Collirene, 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 Comprehensive Overview of Car Insurance Rates in Collirene, AL

Car insurance is a crucial consideration for all drivers, ensuring both protection and compliance with state regulations. In Collirene, Alabama, as with many places across the country, a variety of factors play into the determination of insurance rates. This article will take a closer look at the top competitors in the region, the prices they offer, and the myriad influences on these rates.

Top Competitors and Their Rates

  • State Farm: State Farm is known for its nationwide presence and comprehensive coverage. In Collirene, a standard policy with them may run between $1,200 and $1,400 annually.
  • Geico: Another major player in the national insurance scene, Geico’s rates in Collirene are somewhat competitive, with average annual premiums hovering around $1,100 to $1,300.
  • Progressive: Progressive offers a range of coverages, with rates in this region estimated between $1,250 and $1,450 per year.
  • Allstate: With personalized service and various discount options, Allstate's rates are in the ballpark of $1,300 to $1,500 annually.

Quotes, Rates & Agents

It's important to note that the above rates are broad averages and that individual quotes can differ significantly based on several factors. Agents play a pivotal role in this process:

  • Quotes: These are customized rate estimates based on personal information. Details like age, driving record, and vehicle type play into the quote.
  • Rates: The broader average price for insurance, rates give a general sense of what drivers might expect to pay in the region.
  • Agents: A good agent can make a significant difference. They assist in finding discounts, customizing coverage, and ensuring the client understands the nuances of their policy. In Collirene, many agents represent the big names but also local insurers who might provide competitive rates and personalized service.

Factors Influencing Insurance Rates in Collirene, AL

  • Demographics: Age, gender, and marital status can influence rates. Younger drivers often face higher rates due to perceived inexperience, while married couples might get discounts.
  • Driving Record: Drivers with histories of accidents or traffic violations will likely see higher premiums.
  • Vehicle Type: More expensive vehicles or those with poor safety records might incur higher insurance costs.
  • Location: Areas with higher traffic or accident rates can result in increased premiums. The specifics of Collirene's accident and theft rates can play into this.
  • Coverage Options: Choosing comprehensive coverage or higher liability limits will increase rates, whereas opting for the minimum required by state law will reduce them.
  • Deductible Choices: A higher deductible often results in a lower annual premium and vice versa.
  • Discounts: Many insurers offer discounts for bundling services, maintaining a good driving record, installing safety features in the vehicle, or even for good students.

Car insurance rates in Collirene, AL, are influenced by a plethora of factors, and while major competitors dominate the market, local agents and insurers also provide valuable options for residents. It's essential for drivers to shop around, understand the factors that influence their individual rates, and work with agents to ensure they're getting the best coverage for their needs.

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

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

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

Benton-Collirene Mosses Lowndesboro Selmont-Tyler Gordonville Lowndes County
Average Insurance Rates $1,378 $1,383 $1,421 $1,380 $1,369 $1,384

Collirene, 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 Collirene, 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)
Benton-Collirene $1,419 $1,199
Gordonville $1,089 $920
Benton $1,362 $1,150
White Hall $1,878 $1,586
Mosses $1,437 $1,214
Lowndes County $1,413 $1,194
Lowndesboro $1,192 $1,007
Selmont-Tyler $1,882 $1,589

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

Teenagers in Collirene, 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 $4,471
20 Years $1,771
30 Years $1,364
40 Years $1,312
50 Years $1,215
60 Years $1,232
70 Years $1,434

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

Car owners in Collirene, 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 $2,343 $413
3 Vehicles $3,514 $620
4 Vehicles $4,685 $827

Savings on 2 Vehicles bundle:$413

Savings on 3 Vehicles bundle:$620

Savings on 4 Vehicles bundle:$827

Collirene, 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 Collirene, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Benton-Collirene $1,378 $2,443
Gordonville $1,369 $2,427
Benton $1,501 $2,661
White Hall $1,376 $2,440
Mosses $1,383 $2,452
Lowndes County $1,384 $2,454
Lowndesboro $1,421 $2,519
Selmont-Tyler $1,380 $2,447

Collirene, 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) $1,182
Excellent (740-799) $1,350
Good (670-739) $1,436
Average (580-669) $1,873
Poor (300-579) $2,248

Collirene, 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
The Morris Agency Inc Travelers 1003 Broad St, Selma, 36701 None
Ken Bishop State Farm 2101 Eastern Blvd Ste 111, Montgomery, 36117-1610 334-277-6655
Gus Colvin State Farm 807 Dallas Ave, Selma, 36701-5454 334-872-3441
Larry Davis State Farm 1707 7th St N, Clanton, 35045-2142 205-755-0090
Tyna Carter State Farm 5343 Young Barn Rd, Montgomery, 36106-3182 334-272-5433
Marcus Inc., Insurance None 21204 Hwy 31, Thorsby, 35171 None
Alabama Insurance Alliance Liberty Mutual Independent 3500 EASTERN BLVD, MONTGOMERY, 36116 334-277-1000
Hazard Bentley Allstate 3614 Debby Dr, Montgomery, 36111 (334) 288-2000
Gordon Hudson State Farm 2135 Taylor Rd, Montgomery, 36117-3422 334-244-0408
Joe Hall State Farm 6940 Vaughn Road, Montgomery, 36116-1368 334-270-2723

Collirene, 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 +$61 $1,439
Driver's Failure In Showing Documents +$134 $1,512
Driving With An Expired Registration +$142 $1,520
Driving At A Considerably Slow Pace +$299 $1,677
Using A Cellphone While Driving +$316 $1,694
Running A Red Light +$321 $1,699
Speeding +$338 $1,716
Driving A Vehicle Without The Required Permission +$429 $1,807
Driving With An Expired/Suspended License +$929 $2,307

Collirene, 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 $1,323
Active Disabling Device $1,323
Tracking Device $1,295
Passive Disabling Device $1,282