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