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

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

Zimlon, through its research, found that car owners in Duncanville, 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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Evaluating Trends in Car Insurance Rates: A Spotlight on Duncanville, AL

Nestled within Tuscaloosa County, Duncanville, AL presents an amalgamation of suburban calm and scenic roads. In such a locale, navigating the realm of car insurance necessitates a perusal through various factors. This article underscores an in-depth exploration into the prevailing trends of car insurance rates in Duncanville, highlighting top competitors, and exploring the universe of quotes, rates, and agents while recognizing the factors that burgeon the insurance rates in the city.

Top Competitors and Their Offerings

In Duncanville, several insurance providers carve out a notable presence, each presenting unique offerings:

  • State Farm: Lauded for wide-ranging coverage, State Farm’s annual premiums in Duncanville typically run from $900 to $1,250.
  • GEICO: Renowned for budget-friendly offerings, GEICO’s premiums generally oscillate between $850 and $1,120 per annum.
  • Allstate: Allstate, notable for customized policies, might propose rates spanning from $920 to $1,180 annually.
  • Progressive: Progressive’s comprehensive policies usually bear rates that hover between $880 and $1,150 per annum.
  • Farmers Insurance: Farmers, esteemed for localized services, often presents rates ranging from $910 to $1,200 annually.

Analyzing Quotes, Rates & Agents

  • Quotes: Insurance quotes, encapsulating potential premiums based on individual circumstances, are pivotal for residents to ensure they are securing advantageous rates, especially in a varied market like Duncanville.
  • Rates: While individual particulars significantly mold insurance rates, it's essential to remember that broader dynamics endemic to Duncanville also play a critical role. The offered numbers provide a foundational understanding, however, specific rates can fluctuate significantly.
  • Agents: Engaging with local agents, proficient with Duncanville’s specificities, ensures individuals can navigate towards policies that harmoniously blend coverage and cost.

Factors Influencing Insurance Rates in Duncanville, AL

Several factors, intertwining the personal with the collective, weigh in on determining insurance premiums:

  • Traffic Patterns: Elevated traffic or higher incidences of road mishaps generally translate into a proportional surge in insurance rates.
  • Vehicle Theft: A higher prevalence of vehicle theft within an area can naturally elevate insurance premiums.
  • Repair Costs: If vehicle repair costs (both parts and labor) are comparatively steep in Duncanville, this could percolate into higher premiums.
  • Demographic Composition: A demographic that leans towards younger or inexperienced drivers might incrementally push rates upwards.
  • Environmental Considerations: If Duncanville is prone to environmental factors, such as severe weather conditions, this risk can be mirrored in insurance premiums.

Duncanville, with its own unique tableau, demands a nuanced approach towards navigating the car insurance landscape. Understanding how various competitors position themselves, unraveling the intricacies of quotes and rates, and valuing the role of insurance agents enables residents to make informed decisions. Amidst a tapestry of factors influencing insurance rates, a well-rounded perspective empowers residents to chart a course that assures optimal coverage without economic strain. This blend of knowledge and local expertise ensures that for Duncanville’s residents, the road ahead is always securely insured.

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

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

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

Big Sandy-Duncanville Holt Coaling-Vance Tuscaloosa Moundville Tuscaloosa County
Average Insurance Rates $1,481 $1,387 $1,463 $1,404 $1,438 $1,323

Duncanville, 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 Duncanville, 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)
Big Sandy-Duncanville $1,722 $1,455
Moundville $2,068 $1,747
Coaling $1,669 $1,409
Tuscaloosa $948 $800
Holt $1,913 $1,616
Coaling-Vance $1,513 $1,278
Fosters $2,813 $2,376
Tuscaloosa County $1,225 $1,034

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

Teenagers in Duncanville, 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 $4,806
20 Years $1,903
30 Years $1,466
40 Years $1,410
50 Years $1,306
60 Years $1,324
70 Years $1,541

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

Car owners in Duncanville, 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 $2,577 $385
3 Vehicles $3,865 $578
4 Vehicles $5,154 $770

Savings on 2 Vehicles bundle:$385

Savings on 3 Vehicles bundle:$578

Savings on 4 Vehicles bundle:$770

Duncanville, 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 Duncanville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Big Sandy-Duncanville $1,481 $2,626
Moundville $1,438 $2,550
Coaling $1,479 $2,622
Tuscaloosa $1,404 $2,489
Holt $1,387 $2,459
Coaling-Vance $1,463 $2,594
Fosters $1,456 $2,582
Tuscaloosa County $1,323 $2,346

Duncanville, 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) $1,271
Excellent (740-799) $1,450
Good (670-739) $1,543
Average (580-669) $2,013
Poor (300-579) $2,416

Duncanville, 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
Zealco Insurance Travelers 1802 LURLEEN B WALLACE BLVD, NORTHPORT, 35476 205-330-1125
Tracey Sova State Farm 4151 University Blvd E, Tuscaloosa, 35404-4459 205-554-1455
Tiffney Mcculley Allstate 5820 Old Greensboro Rd, Tuscaloosa, 35405 (205) 248-0303
Philip A Bradberry State Farm 1425 Veterans Memorial Parkway, Tuscaloosa, 35404-4702 205-556-5402
Mike Kennedy State Farm 4513 Valleydale Road, Birmingham, 35242-4662 205-991-5163
Jim Todd State Farm 2048 Montreat Dr, Vestavia, 35216-4002 205-823-7380
Leah Wiggins Csd Csp Lutcf Farmers 334 6th Ave S, Birmingham, 35205 (205) 325-1745
Collins Ins Agcy Inc Travelers 2200 VALLEYDALE RD STE 201, BIRMINGHAM, 35244 205-987-5911
Shubert & Assoc Llc Allstate 135 Hayesbury Dr, Pelham, 35124 (205) 621-1770

Duncanville, 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 $1,546
Driver's Failure In Showing Documents +$144 $1,625
Driving With An Expired Registration +$153 $1,634
Driving At A Considerably Slow Pace +$321 $1,802
Using A Cellphone While Driving +$339 $1,820
Running A Red Light +$345 $1,826
Speeding +$363 $1,844
Driving A Vehicle Without The Required Permission +$461 $1,942
Driving With An Expired/Suspended License +$998 $2,479

Duncanville, 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 $1,422
Active Disabling Device $1,422
Tracking Device $1,392
Passive Disabling Device $1,377