Bibb County Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 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