Bibb County, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bibb County, 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.
A County-Wide Look at Car Insurance Rates in Bibb County, AL
Car insurance rates can be a critical consideration for drivers, and understanding the local landscape is crucial for securing the best policy. This article provides a thorough exploration of the car insurance rates in Bibb County, Alabama, spotlighting the top competitors, their pricing, an analysis of quotes, rates, and the role of insurance agents, as well as the factors influencing insurance rates in this county.
Top Competitors and Their Pricing in Bibb County, AL
Numerous major car insurance providers serve Bibb County, each with unique rates based on their individual risk assessment models. The main competitors in the county are State Farm, Allstate, Geico, and Progressive
State Farm: Known for its wide coverage options, State Farm's average annual premium in Bibb County is around $1,270.
Allstate: Celebrated for its customizable policies, Allstate has an average annual car insurance rate in Bibb County of approximately $1,310.
Geico: Acclaimed for affordable plans, Geico's average annual premium in Bibb County is about $1,250.
Progressive: Renowned for its flexible coverage options, Progressive offers an average annual premium of approximately $1,300 in Bibb County.
Analysis of Quotes, Rates & Agents
Insurance quotes and rates are primarily determined by each insurance company's perception of risk, involving factors linked to the driver, the vehicle, and the location. Agents, especially locally based ones, play a crucial role in helping customers navigate these complexities and secure suitable coverage options.
In Bibb County, agents with deep local knowledge are uniquely equipped to aid customers in understanding the range of quotes and potentially securing lower premiums.
Factors Influencing Car Insurance Rates in Bibb County, AL
Several factors impact car insurance rates in Bibb County:
Driver Profile: Factors such as the driver's age, gender, marital status, driving record, and credit score can significantly influence rates. Generally, younger drivers, especially males, and those with poor driving records or low credit scores are likely to face higher premiums.
Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle can also impact insurance rates. High-end vehicles and sports cars usually come with higher premiums due to the increased risk of theft and accidents.
Location-Specific Factors: Factors unique to Bibb County, like crime rates, traffic density, and weather conditions, can also affect car insurance rates.
Coverage Level: The level of coverage chosen directly impacts the insurance rate. More comprehensive coverage will naturally cost more than basic liability coverage.
Discounts: Insurance companies often offer discounts that can substantially lower premiums. These can range from discounts for maintaining a clean driving record, low annual mileage, bundling insurance policies, or having advanced safety features in the vehicle.
Understanding the intricacies of car insurance rates in Bibb County, AL, is key to obtaining the best policy for your individual needs. By comparing prices offered by leading competitors, recognizing the important role of agents in navigating quotes and rates, and considering the local factors impacting insurance costs, residents can make informed decisions about their car insurance coverage.
Factors that can influence the cost of car insurance in Bibb County, 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.
- Bibb County, AL Auto Insurance Rates
- Bibb County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bibb County, AL
- Multi Vehicle Insurance Savings in Bibb County, AL
- How Credit Score Affects Car Insurance Rates in Bibb County, AL
- How DUI Affects Auto Insurance Premiums in Bibb County, AL
- Top Auto Insurance Agents Near Bibb County, AL
- How Driving Violations Affect Auto Insurance Rates in Bibb County, AL
- Bibb County, AL Auto Insurance Discounts on Anti Theft Feature
Bibb County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bibb County, AL with that of other cities in and around Bibb County.
| Bibb County | Centreville | Brent | Piper-Coleanor | West Blocton | Centreville-Brent | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,431 | $1,449 | $1,424 | $2,025 | $1,426 | $1,436 |
Bibb County, 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 Bibb County, 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) |
|---|---|---|
| Bibb County | $2,141 | $1,809 |
| Centreville | $1,999 | $1,689 |
| Brent | $1,409 | $1,190 |
| Centreville-Brent | $1,399 | $1,181 |
| West Blocton | $1,966 | $1,661 |
| Piper-Coleanor | $2,086 | $1,762 |
| Vance | $1,981 | $1,673 |
| Woodstock | $1,250 | $1,056 |
Bibb County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bibb County, 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 | $4,643 |
| 20 Years | $1,839 |
| 30 Years | $1,416 |
| 40 Years | $1,363 |
| 50 Years | $1,262 |
| 60 Years | $1,279 |
| 70 Years | $1,489 |
Bibb County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bibb County, 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 | $2,490 | $372 |
| 3 Vehicles | $3,735 | $558 |
| 4 Vehicles | $4,980 | $744 |
Savings on 2 Vehicles bundle:$372
Savings on 3 Vehicles bundle:$558
Savings on 4 Vehicles bundle:$744
Bibb County, 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 Bibb County, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bibb County | $1,431 | $2,537 |
| Centreville | $1,449 | $2,569 |
| Brent | $1,424 | $2,525 |
| Centreville-Brent | $1,436 | $2,546 |
| West Blocton | $1,426 | $2,528 |
| Piper-Coleanor | $2,025 | $3,590 |
| Vance | $1,463 | $2,594 |
| Woodstock | $1,441 | $2,555 |
Bibb County, 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) | $1,228 |
| Excellent (740-799) | $1,401 |
| Good (670-739) | $1,491 |
| Average (580-669) | $1,945 |
| Poor (300-579) | $2,334 |
Bibb County, 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 |
|---|---|---|---|
| Bob Butterworth | State Farm | 609 Main St, Montevallo, 35115-4036 | 205-665-7190 |
| Mikos Kampakis Insurance Services | Travelers | 421 Emery Drive Suite 101 Birmingham, Hoover, 35244 | (205) 403-5218 |
| Lloyd Payne | State Farm | 2496 Rocky Ridge Rd, Vestavia, 35243-2850 | 205-978-7378 |
| Bobby Jones | State Farm | 2112 Rocky Ridge Road, Hoover, 35216-5138 | 205-980-9785 |
| Don Leipert | Allstate | 840 Main St, Montevallo, 35115 | (205) 216-3570 |
| Thomas Waters | State Farm | 3103 Independence Drive, Homewood, 35209-4111 | 205-879-1988 |
| Greenhalgh Insurance Agency | Travelers | 3144 Cahaba Heights Rd Birmingham, Vestavia Hills, 35243 | None |
| Bracey & Bracey Insurance Service | Travelers | 106 Oxmoor Rd. Ste 146, Birmingham, 35209 | None |
| Ron Jones Clu, Cpcu | State Farm | 3122 Green Valley Road, Birmingham, 35243-0632 | 205-967-2223 |
Bibb County, 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 | $1,494 |
| Driver's Failure In Showing Documents | +$139 | $1,570 |
| Driving With An Expired Registration | +$147 | $1,578 |
| Driving At A Considerably Slow Pace | +$311 | $1,742 |
| Using A Cellphone While Driving | +$328 | $1,759 |
| Running A Red Light | +$333 | $1,764 |
| Speeding | +$351 | $1,782 |
| Driving A Vehicle Without The Required Permission | +$445 | $1,876 |
| Driving With An Expired/Suspended License | +$964 | $2,395 |
Bibb County, 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 | $1,374 |
| Active Disabling Device | $1,374 |
| Tracking Device | $1,345 |
| Passive Disabling Device | $1,331 |