Berry, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Berry, 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.
Deciphering the Dynamics of Berry's Car Insurance Rates, AL
Car insurance rates can fluctuate widely from one location to another due to various factors. This article offers an in-depth analysis of the car insurance rates in Berry, Alabama, by examining the top competitors, their pricing, and the role of insurance agents.
Leading Competitors and Their Pricing in Berry, AL
Several major car insurance providers are available in Berry, each with a distinct pricing model based on their assessment of risk. The leading competitors include State Farm, Allstate, Geico, and Progressive:
State Farm: Known for offering a wide array of coverage options, State Farm has an average annual premium of around $1,250 in Berry.
Allstate: With its customizable policies, Allstate's average annual car insurance rate in Berry is approximately $1,300.
Geico: Renowned for budget-friendly policies, Geico's average annual premium in Berry stands at about $1,200.
Progressive: Noted for its flexible policy options, Progressive's average annual premium in Berry is around $1,280.
Analysis of Quotes, Rates & Agents
Insurance quotes are determined by the rates set by insurance companies, based on an assessment of risk factors associated with the driver, the vehicle, and the location. Agents, especially local ones, play a critical role in helping customers navigate these rates to find the most suitable coverage.
Insurance agents in Berry are well-acquainted with the local factors that affect insurance rates, and their expertise can help customers understand the nuances of these rates and potentially secure lower premiums.
Factors Influencing Car Insurance Rates in Berry, AL
Several factors contribute to the car insurance rates in Berry:
Driver Profile: The driver's age, gender, marital status, driving record, and credit score can significantly impact rates. Younger drivers, particularly males, and those with poor driving records or low credit scores often face higher rates.
Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle can also influence rates. Premium vehicles and sports cars typically come with higher premiums due to an increased risk of theft and accidents.
Location-Specific Factors: Factors unique to Berry, such as local crime rates, traffic conditions, and weather patterns, can also affect car insurance rates.
Coverage Level: The level of coverage selected directly impacts the premium. More comprehensive coverage naturally comes with higher premiums.
Discounts: Insurance carriers often provide discounts that can reduce premiums, such as those for good driving records, low annual mileage, bundled policies, or vehicles equipped with advanced safety features.
Understanding the dynamics of car insurance rates in Berry, AL, is crucial for residents. By comparing rates from top competitors, understanding the vital role of agents in determining rates and quotes, and taking into account the local factors that affect insurance costs, residents can make more informed decisions about their car insurance.
Factors that can influence the cost of car insurance in Berry, 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.
- Berry, AL Auto Insurance Rates
- Berry, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Berry, AL
- Multi Vehicle Insurance Savings in Berry, AL
- How Credit Score Affects Car Insurance Rates in Berry, AL
- How DUI Affects Auto Insurance Premiums in Berry, AL
- Top Auto Insurance Agents Near Berry, AL
- How Driving Violations Affect Auto Insurance Rates in Berry, AL
- Berry, AL Auto Insurance Discounts on Anti Theft Feature
Berry, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Berry, AL with that of other cities in and around Berry.
| Berry | Fayette County | Samantha | Northeast Fayette | Fayette | Windham Springs | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,384 | $1,406 | $1,472 | $1,396 | $1,410 | $1,531 |
Berry, 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 Berry, 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) |
|---|---|---|
| Berry | $1,330 | $1,123 |
| Fayette County | $1,228 | $1,037 |
| Northeast Fayette | $2,102 | $1,776 |
| Samantha | $1,681 | $1,420 |
| Fayette | $1,348 | $1,139 |
| Oakman | $1,676 | $1,415 |
| Windham Springs | $960 | $811 |
| Townley | $1,581 | $1,335 |
Berry, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Berry, 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 | $4,491 |
| 20 Years | $1,778 |
| 30 Years | $1,370 |
| 40 Years | $1,318 |
| 50 Years | $1,220 |
| 60 Years | $1,237 |
| 70 Years | $1,440 |
Berry, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Berry, 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 | $2,436 | $332 |
| 3 Vehicles | $3,654 | $498 |
| 4 Vehicles | $4,872 | $664 |
Savings on 2 Vehicles bundle:$332
Savings on 3 Vehicles bundle:$498
Savings on 4 Vehicles bundle:$664
Berry, 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 Berry, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Berry | $1,384 | $2,454 |
| Fayette County | $1,406 | $2,493 |
| Northeast Fayette | $1,396 | $2,475 |
| Samantha | $1,472 | $2,610 |
| Fayette | $1,410 | $2,500 |
| Oakman | $1,400 | $2,482 |
| Windham Springs | $1,531 | $2,714 |
| Townley | $1,405 | $2,491 |
Berry, 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) | $1,187 |
| Excellent (740-799) | $1,355 |
| Good (670-739) | $1,442 |
| Average (580-669) | $1,881 |
| Poor (300-579) | $2,257 |
Berry, 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 |
|---|---|---|---|
| Stacey Cannon | Farmers | 204 Temple Ave S Ste 1h, Fayette, 35555 | (205) 932-4224 |
| Nancy Davis | State Farm | 327 Columbus St E, Fayette, 35555-2612 | 205-932-6796 |
| Kevin Bradford | State Farm | 163 Ashwood Dr, Winfield, 35594-5436 | 205-487-3232 |
| O. M. Hughes Insurance, Inc. | Travelers | 300 UNION HILL DR STE 300, BIRMINGHAM, 35209 | 205-956-4500 |
| John Patterson | State Farm | 1807 11th Ave S, Birmingham, 35205-4807 | 205-933-5200 |
| Turner Ins Agency | Allstate | 202 Temple Ave N, Fayette, 35555 | (205) 932-5223 |
| Mailon Kent Insurance Agency | None | P O Box 530097 Birmingham, Mountain Brook, 35253 | None |
| Bracey & Bracey Insurance Service | Travelers | 106 OXMOOR RD STE 146, BIRMINGHAM, 35209 | 205-942-4400 |
| Tyler F Watts | Nationwide | 2015 Kentucky Ave, Birmingham, 35216 | (205) 822-5477 |
Berry, 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 | $1,445 |
| Driver's Failure In Showing Documents | +$134 | $1,518 |
| Driving With An Expired Registration | +$143 | $1,527 |
| Driving At A Considerably Slow Pace | +$300 | $1,684 |
| Using A Cellphone While Driving | +$317 | $1,701 |
| Running A Red Light | +$322 | $1,706 |
| Speeding | +$339 | $1,723 |
| Driving A Vehicle Without The Required Permission | +$430 | $1,814 |
| Driving With An Expired/Suspended License | +$933 | $2,317 |
Berry, 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 | $1,329 |
| Active Disabling Device | $1,329 |
| Tracking Device | $1,301 |
| Passive Disabling Device | $1,287 |