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

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

Zimlon, through its research, found that car owners in Bexar, 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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Bexar, AL: Understanding Your Car Insurance Rates

Car insurance rates are influenced by numerous factors, including location, which can significantly impact the amount you pay. This article seeks to elucidate the car insurance rates in Bexar, Alabama, exploring the top competitors, their pricing, and an analysis of quotes, rates, and agents. We'll also delve into the factors that specifically influence insurance rates in this city.

Top Competitors and Their Pricing in Bexar, AL

Several major car insurance providers operate in Bexar, with their unique pricing models based on distinct risk assessment parameters. The leading competitors in the area include State Farm, Allstate, Geico, and Progressive:

State Farm: Renowned for a broad spectrum of coverage options, State Farm's average annual premium in Bexar is around $1,220.

Allstate: Known for its customizable policies, Allstate has an average annual car insurance rate in Bexar of approximately $1,280.

Geico: Famed for budget-friendly policies, Geico's average annual premium in Bexar is about $1,200.

Progressive: Renowned for flexible policy options, Progressive's average annual premium in Bexar is approximately $1,260.

Analysis of Quotes, Rates & Agents

Insurance quotes are determined by the rates set by insurance companies based on an evaluation of various risk factors associated with the driver, the vehicle, and the location. Local agents play an integral role in helping customers understand these rates and secure the most appropriate coverage.

In Bexar, local agents, with their profound understanding of regional risk factors, can provide valuable guidance to customers. They can help simplify complex insurance quotes and potentially secure lower premiums.

Factors Influencing Car Insurance Rates in Bexar, AL

Several key factors contribute to the car insurance rates in Bexar:

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

Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle also play a role in determining insurance rates. Luxury vehicles and sports cars usually come with higher premiums due to their increased risk of theft and accidents.

Location-Specific Factors: Factors unique to Bexar, 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 comes with higher premiums.

Discounts: Insurance carriers often provide discounts that can reduce premiums. These include discounts for maintaining a clean driving record, low annual mileage, bundling insurance policies, or installing advanced safety features in vehicles.

Understanding the dynamics of car insurance rates in Bexar, AL, is essential for residents. By comparing rates from top competitors, acknowledging the role of agents in deciphering quotes and rates, and considering the local factors that influence insurance costs, residents can make informed decisions about their car insurance coverage.

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

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

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

Bexar Vina Hamilton Tremont Detroit Hodges
Average Insurance Rates $1,424 $1,397 $1,417 $1,535 $1,393 $1,392

Bexar, 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 Bexar, 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)
Bexar $2,752 $2,325
Tremont $1,440 $1,216
Hamilton $980 $827
Vina $1,400 $1,182
Detroit $1,463 $1,235
Itawamba County $2,726 $2,303
Hodges $1,506 $1,272
Hackleburg $1,256 $1,061

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

Teenagers in Bexar, 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 $4,621
20 Years $1,830
30 Years $1,409
40 Years $1,356
50 Years $1,256
60 Years $1,273
70 Years $1,482

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

Car owners in Bexar, 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 $2,449 $399
3 Vehicles $3,674 $598
4 Vehicles $4,899 $797

Savings on 2 Vehicles bundle:$399

Savings on 3 Vehicles bundle:$598

Savings on 4 Vehicles bundle:$797

Bexar, 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 Bexar, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Bexar $1,424 $2,525
Tremont $1,535 $2,546
Hamilton $1,417 $2,512
Vina $1,397 $2,477
Detroit $1,393 $2,470
Itawamba County $1,551 $2,572
Hodges $1,392 $2,468
Hackleburg $1,406 $2,493

Bexar, 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) $1,222
Excellent (740-799) $1,395
Good (670-739) $1,484
Average (580-669) $1,936
Poor (300-579) $2,323

Bexar, 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
Your Ins Ctrs Inc. Allstate 400 Bexar Ave W, Hamilton, 35570 (205) 921-2141
David Hall Ins Agency Inc Nationwide 138 1st St. NW, Hamilton, 35570-0939 (205) 921-9215
Thomas Adams Allstate 406 N Nashville Ave, Sheffield, 35660 (256) 978-5733
Mark Dearen State Farm 600 Military St N, Hamilton, 35570-3079 205-921-3010
Hicks & Associates Inc Liberty Mutual Independent 2401 HELTON DR STE B, FLORENCE, 35630 (256) 766-6000
Al Ford Insurance Agency, Inc. None 328 E Tennessee St, Florence, 35630 None
Al Ford Insurance Agency, Inc. None 328 E Tennessee St, Florence, 35630 None

Bexar, 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 +$63 $1,487
Driver's Failure In Showing Documents +$138 $1,562
Driving With An Expired Registration +$147 $1,571
Driving At A Considerably Slow Pace +$309 $1,733
Using A Cellphone While Driving +$326 $1,750
Running A Red Light +$332 $1,756
Speeding +$349 $1,773
Driving A Vehicle Without The Required Permission +$443 $1,867
Driving With An Expired/Suspended License +$960 $2,384

Bexar, 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 $1,367
Active Disabling Device $1,367
Tracking Device $1,339
Passive Disabling Device $1,324