Billingsley, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Billingsley, 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.
Billingsley's Car Insurance Rates: A Comprehensive Overview, Billingsley, AL
Understanding car insurance rates is essential for every driver, and this understanding becomes even more crucial when considering the local landscape. This article provides an in-depth review of the car insurance rates in Billingsley, Alabama, detailing the top competitors, their pricing, an analysis of quotes, rates, and the role of insurance agents, along with the factors specifically influencing insurance rates in this city.
Leading Competitors and Their Pricing in Billingsley, AL
Several major car insurance providers serve the residents of Billingsley, each with unique pricing based on their own risk assessment parameters. The top competitors in the region are State Farm, Allstate, Geico, and Progressive:
State Farm: Known for its wide array of coverage options, State Farm's average annual premium in Billingsley is around $1,100.
Allstate: With a range of customizable policies, Allstate's average annual car insurance rate in Billingsley is approximately $1,160.
Geico: Renowned for its cost-effective policies, Geico's average annual premium in Billingsley is about $1,080.
Progressive: Celebrated for providing a broad spectrum of policy options, Progressive's average annual premium in Billingsley is approximately $1,120.
Analysis of Quotes, Rates & Agents
Insurance quotes and rates are determined by the risk factors associated with the driver, the vehicle, and the location. Local insurance agents play a key role in assisting customers in understanding these rates and securing the most suitable coverage.
In Billingsley, local agents have a profound understanding of the area's unique characteristics. This knowledge allows them to offer valuable insights into different insurance quotes, helping customers potentially secure lower premiums.
Factors Influencing Car Insurance Rates in Billingsley, AL
Several factors affect car insurance rates in Billingsley:
Driver Profile: The driver's age, gender, marital status, driving record, and credit score can significantly impact insurance rates. Younger drivers, particularly 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 influence insurance rates. Luxury and sports cars usually come with higher premiums due to the increased risk of theft and accidents.
Location-Specific Factors: Factors unique to Billingsley, such as the crime rate, 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 naturally comes with higher premiums.
Discounts: Insurance carriers often provide discounts that can reduce premiums, such as discounts for good driving records, low annual mileage, bundled policies, or vehicles with advanced safety features.
Gaining a deeper understanding of the unique dynamics of car insurance rates in Billingsley, AL, is crucial for residents. By comparing rates from top competitors, understanding the vital role of agents in providing and explaining quotes and rates, and considering the local factors that affect insurance costs, residents can make more informed decisions about their car insurance coverage.
Factors that can influence the cost of car insurance in Billingsley, 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.
- Billingsley, AL Auto Insurance Rates
- Billingsley, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Billingsley, AL
- Multi Vehicle Insurance Savings in Billingsley, AL
- How Credit Score Affects Car Insurance Rates in Billingsley, AL
- How DUI Affects Auto Insurance Premiums in Billingsley, AL
- Top Auto Insurance Agents Near Billingsley, AL
- How Driving Violations Affect Auto Insurance Rates in Billingsley, AL
- Billingsley, AL Auto Insurance Discounts on Anti Theft Feature
Billingsley, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Billingsley, AL with that of other cities in and around Billingsley.
| Billingsley | Maplesville | Prattville | Isabella-Pletcher | Selma | Marbury | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,421 | $1,410 | $1,456 | $1,409 | $1,413 | $1,447 |
Billingsley, 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 Billingsley, 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) |
|---|---|---|
| Billingsley | $1,419 | $1,199 |
| Autauga County | $1,717 | $1,450 |
| Autaugaville | $1,376 | $1,162 |
| Isabella-Pletcher | $1,524 | $1,288 |
| Marbury | $1,656 | $1,399 |
| Maplesville | $1,587 | $1,341 |
| Prattville | $1,439 | $1,215 |
| Selma | $2,733 | $2,308 |
Billingsley, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Billingsley, 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 | $4,611 |
| 20 Years | $1,826 |
| 30 Years | $1,406 |
| 40 Years | $1,353 |
| 50 Years | $1,253 |
| 60 Years | $1,270 |
| 70 Years | $1,479 |
Billingsley, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Billingsley, 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 | $2,501 | $341 |
| 3 Vehicles | $3,751 | $512 |
| 4 Vehicles | $5,002 | $682 |
Savings on 2 Vehicles bundle:$341
Savings on 3 Vehicles bundle:$512
Savings on 4 Vehicles bundle:$682
Billingsley, 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 Billingsley, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Billingsley | $1,421 | $2,519 |
| Autauga County | $1,472 | $2,610 |
| Autaugaville | $1,410 | $2,500 |
| Isabella-Pletcher | $1,409 | $2,498 |
| Marbury | $1,447 | $2,566 |
| Maplesville | $1,410 | $2,500 |
| Prattville | $1,456 | $2,582 |
| Selma | $1,413 | $2,505 |
Billingsley, 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) | $1,219 |
| Excellent (740-799) | $1,392 |
| Good (670-739) | $1,481 |
| Average (580-669) | $1,932 |
| Poor (300-579) | $2,318 |
Billingsley, 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 |
|---|---|---|---|
| Taft Walley | State Farm | 400 6th St N, Clanton, 35045-2824 | 205-755-4495 |
| Larry Davis | State Farm | 1707 7th St N, Clanton, 35045-2142 | 205-755-0090 |
| Jayme Yarroch | Allstate | 8119 Vaughn Rd, Montgomery, 36116 | (334) 269-8100 |
| Karen Ross Miller | Allstate | 5210 Highway 17, Helena, 35080 | (205) 620-1120 |
| Jeff Crumpton | Allstate | 201 Yeager Pkwy Ste 201a, Pelham, 35124 | (205) 378-8803 |
| Jarrod Gibson | State Farm | 4290 Highway 52 W Ste F, Helena, 35080-5002 | 205-663-8688 |
| Bobby Molan | Farmers | 1240 1st St N Ste 207, Alabaster, 35007 | (205) 621-9000 |
| David Abbott | Allstate | 100 Brook Dr Ste C, Helena, 35080 | (205) 434-2770 |
| Jerry Austin | State Farm | 3333 Helena Rd, Helena, 35080-3243 | 205-664-4404 |
| Davis & Davis Insurance Agency, Inc. | None | 401 6Th Street N, Clanton, 35045 | None |
| The Insurance Network Inc | Liberty Mutual Independent | 1051 OAK MOUNTAIN DR, PELHAM, 35124 | 205-663-4196 |
| Tyler F Watts | Nationwide | 160 Yeager Pkwy STE 107, Pelham, 35124 | (205) 690-5033 |
Billingsley, 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 | $1,484 |
| Driver's Failure In Showing Documents | +$138 | $1,559 |
| Driving With An Expired Registration | +$146 | $1,567 |
| Driving At A Considerably Slow Pace | +$308 | $1,729 |
| Using A Cellphone While Driving | +$325 | $1,746 |
| Running A Red Light | +$331 | $1,752 |
| Speeding | +$348 | $1,769 |
| Driving A Vehicle Without The Required Permission | +$442 | $1,863 |
| Driving With An Expired/Suspended License | +$958 | $2,379 |
Billingsley, 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 | $1,364 |
| Active Disabling Device | $1,364 |
| Tracking Device | $1,336 |
| Passive Disabling Device | $1,322 |