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

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

Zimlon, through its research, found that car owners in Beulah, 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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How Rural Living Affects Car Insurance Rates in Beulah, AL

Living in a rural area like Beulah, Alabama, often comes with distinct differences in car insurance rates compared to urban regions. This article provides an in-depth review of the car insurance landscape in Beulah, exploring the top competitors, their pricing, as well as an analysis of quotes, rates, and the role of insurance agents. It also delves into the local factors influencing insurance rates in this city.

Leading Competitors and Their Pricing in Beulah, AL

In Beulah, several significant car insurance providers serve the populace, each with their unique rates based on their risk assessment parameters. The key competitors in the region are State Farm, Allstate, Geico, and Progressive:

State Farm: Known for its extensive coverage options, State Farm has an average annual premium in Beulah of around $1,150.

Allstate: Offering a variety of customizable policies, Allstate's average annual car insurance rate in Beulah is approximately $1,200.

Geico: Renowned for cost-effective policies, Geico's average annual premium in Beulah is about $1,100.

Progressive: Known for providing a wide range of policy options, Progressive's average annual premium in Beulah is approximately $1,160.

Analysis of Quotes, Rates & Agents

Insurance quotes and rates are primarily determined by the risk factors associated with the driver, the vehicle, and the location. Local insurance agents play an instrumental role in helping customers understand these rates and find the most suitable coverage.

In Beulah, with its unique rural characteristics, local agents can provide invaluable insights into the various quotes and potentially help secure lower premiums.

Factors Influencing Car Insurance Rates in Beulah, AL

Several factors affect car insurance rates in Beulah:

Rural Living: Generally, rural areas tend to have lower car insurance rates compared to urban regions due to fewer cars on the road, less congestion, and lower crime rates.

Driver Profile: The driver's age, gender, marital status, driving record, and credit score can significantly impact insurance rates. Typically, younger drivers and those with poor driving records or low credit scores face higher premiums.

Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle can also influence insurance rates. Premium vehicles and sports cars usually come with higher premiums due to the increased risk of theft and accidents.

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 unique dynamics of car insurance rates in Beulah, AL, is vital for residents. By comparing rates from top competitors, understanding the significant role of agents in providing quotes and rates, and considering the local factors that affect insurance costs, residents can make more informed decisions about their car insurance coverage. This understanding is particularly crucial in a rural setting like Beulah, where factors influencing car insurance rates differ substantially from urban areas.

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

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

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

Beulah Opelika Huguley Auburn-Opelika Smiths Station Valley
Average Insurance Rates $1,466 $1,481 $1,402 $1,500 $1,446 $1,409

Beulah, 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 Beulah, 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)
Beulah $1,714 $1,448
Valley $1,552 $1,311
Opelika $1,316 $1,112
Lee County $1,409 $1,190
Cusseta $1,582 $1,336
Smiths Station $1,635 $1,381
Auburn-Opelika $1,732 $1,463
Huguley $1,431 $1,208

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

Teenagers in Beulah, 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 $4,757
20 Years $1,884
30 Years $1,451
40 Years $1,396
50 Years $1,293
60 Years $1,311
70 Years $1,526

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

Car owners in Beulah, 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 $2,551 $381
3 Vehicles $3,826 $572
4 Vehicles $5,102 $762

Savings on 2 Vehicles bundle:$381

Savings on 3 Vehicles bundle:$572

Savings on 4 Vehicles bundle:$762

Beulah, 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 Beulah, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Beulah $1,466 $2,599
Valley $1,409 $2,498
Opelika $1,481 $2,626
Lee County $1,365 $2,420
Cusseta $1,433 $2,541
Smiths Station $1,446 $2,564
Auburn-Opelika $1,500 $2,660
Huguley $1,402 $2,486

Beulah, 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) $1,258
Excellent (740-799) $1,436
Good (670-739) $1,528
Average (580-669) $1,993
Poor (300-579) $2,391

Beulah, 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
Tom Bryan State Farm 1819 Pepperell Pkwy, Opelika, 36801-5475 334-749-5777
Michael Cook Allstate 601 1st Ave Ste A, Opelika, 36801 (334) 745-5555
Bill White State Farm 401 S 8th St, Opelika, 36801-4958 334-749-8319
Rusty Sheehan State Farm 907 2nd Ave, Opelika, 36801-4388 334-745-6303
Insuresouth Inc Liberty Mutual Independent 100 N 7TH ST, OPELIKA, 36801 (334) 745-3585

Beulah, 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 +$65 $1,531
Driver's Failure In Showing Documents +$142 $1,608
Driving With An Expired Registration +$151 $1,617
Driving At A Considerably Slow Pace +$318 $1,784
Using A Cellphone While Driving +$336 $1,802
Running A Red Light +$342 $1,808
Speeding +$359 $1,825
Driving A Vehicle Without The Required Permission +$456 $1,922
Driving With An Expired/Suspended License +$988 $2,454

Beulah, 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 $1,407
Active Disabling Device $1,407
Tracking Device $1,378
Passive Disabling Device $1,363