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