Blount County, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Blount 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.
Decoding Car Insurance Rates in Blount County, AL
Car insurance rates vary widely based on a variety of factors, and understanding these differences is vital for any car owner. This article explores the car insurance landscape in Blount County, Alabama, detailing the major competitors, their pricing, an analysis of quotes, rates, and agents, and the factors that influence insurance rates in this county.
Top Competitors and Their Pricing in Blount County, AL
Blount County, Alabama, is serviced by a number of well-known car insurance providers, with rates differing based on their risk assessment models. The primary competitors in the region include State Farm, Allstate, Geico, and Progressive.
State Farm: Known for a broad selection of coverage options, State Farm's average annual premium in Blount County is approximately $1,200.
Allstate: Recognized for its personalized policies, Allstate's average annual car insurance rate in Blount County is around $1,250.
Geico: Celebrated for its affordable plans, Geico's average annual premium in Blount County is approximately $1,210.
Progressive: Renowned for its flexible policy options, Progressive's average annual premium in Blount County is roughly $1,240.
Analysis of Quotes, Rates & Agents
Insurance quotes and rates are primarily determined by the company's perception of risk, which is based on the driver, the vehicle, and the location. Local agents play an instrumental role in helping customers understand these complexities and secure the best coverage at the best price.
In Blount County, agents leverage their knowledge of the local market to guide customers through the range of quotes available, potentially helping them secure lower premiums.
Factors Influencing Car Insurance Rates in Blount County, AL
A host of factors can impact car insurance rates in Blount County:
Driver Profile: Factors such as a driver's age, gender, marital status, driving record, and credit score can significantly influence insurance rates. For instance, younger drivers, especially males, and drivers with poor records or lower credit scores often face higher premiums.
Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle can also affect insurance rates. High-end vehicles and sports cars usually attract higher premiums due to an increased risk of theft and accidents.
Location-Specific Factors: Elements unique to Blount County, such as local crime rates, traffic congestion, and weather patterns, can also influence car insurance rates.
Coverage Level: The level of coverage chosen directly impacts the insurance rate. More comprehensive coverage comes with higher premiums.
Discounts: Insurance companies often offer discounts that can significantly lower premiums. These may include good driver discounts, low annual mileage, multi-policy discounts, and vehicle safety feature discounts.
Understanding the dynamics of car insurance rates in Blount County, AL, is vital for residents seeking optimal coverage. By comparing rates from top competitors, understanding the role of agents in interpreting quotes and rates, and considering the county-specific factors that affect insurance costs, residents can make informed decisions about their car insurance coverage.
Factors that can influence the cost of car insurance in Blount 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.
- Blount County, AL Auto Insurance Rates
- Blount County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Blount County, AL
- Multi Vehicle Insurance Savings in Blount County, AL
- How Credit Score Affects Car Insurance Rates in Blount County, AL
- How DUI Affects Auto Insurance Premiums in Blount County, AL
- Top Auto Insurance Agents Near Blount County, AL
- How Driving Violations Affect Auto Insurance Rates in Blount County, AL
- Blount County, AL Auto Insurance Discounts on Anti Theft Feature
Blount County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Blount County, AL with that of other cities in and around Blount County.
| Blount County | Nectar | Blountsville | Locust Fork | Cleveland | Oneonta | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,449 | $1,451 | $1,443 | $1,442 | $1,440 | $1,469 |
Blount 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 Blount 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) |
|---|---|---|
| Blount County | $1,078 | $911 |
| Cleveland | $1,071 | $905 |
| Nectar | $1,399 | $1,181 |
| Rosa | $1,498 | $1,265 |
| Blountsville | $1,642 | $1,387 |
| Allgood | $2,439 | $2,060 |
| Oneonta | $1,092 | $922 |
| Locust Fork | $1,404 | $1,186 |
Blount County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Blount 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 | $4,702 |
| 20 Years | $1,862 |
| 30 Years | $1,434 |
| 40 Years | $1,380 |
| 50 Years | $1,278 |
| 60 Years | $1,295 |
| 70 Years | $1,508 |
Blount County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Blount 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 | $2,492 | $406 |
| 3 Vehicles | $3,738 | $609 |
| 4 Vehicles | $4,985 | $811 |
Savings on 2 Vehicles bundle:$406
Savings on 3 Vehicles bundle:$609
Savings on 4 Vehicles bundle:$811
Blount 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 Blount County, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Blount County | $1,449 | $2,569 |
| Cleveland | $1,440 | $2,553 |
| Nectar | $1,451 | $2,573 |
| Rosa | $1,428 | $2,532 |
| Blountsville | $1,443 | $2,558 |
| Allgood | $1,418 | $2,514 |
| Oneonta | $1,469 | $2,605 |
| Locust Fork | $1,442 | $2,557 |
Blount 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) | $1,243 |
| Excellent (740-799) | $1,419 |
| Good (670-739) | $1,510 |
| Average (580-669) | $1,970 |
| Poor (300-579) | $2,363 |
Blount 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 |
|---|---|---|---|
| Kim Lee | State Farm | 28254 State Highway 75, Oneonta, 35121-1659 | 205-625-4141 |
| Holt Hathcock | State Farm | 910 2nd Ave E, Oneonta, 35121-2506 | 205-274-4000 |
| Karen Acker | State Farm | 103 2nd Ave W, Oneonta, 35121-1603 | 205-274-2123 |
| Baxley Agency | None | P.O. Box 104, Clay, 35048 | None |
| Brian Bellomy | State Farm | 7540 Meml Pkwy SW Ste S, Huntsville, 35802-2208 | 256-539-7530 |
| Jodie Scofield | Liberty Mutual | 100 Corporate Parkway Suite 225, Birmingham, 35242 | 1-205-995-9883 |
| Stephen A. Davis Insurance Inc. | None | 106B 2Nd Street N, Oneonta, 35121 | None |
| Robby Rowan | State Farm | 4036b Balmoral Dr SW, Huntsville, 35801-6421 | 256-883-8800 |
| Lambert Agency Inc | Nationwide | 3232 Cahaba Heights Rd, Birmingham, 35243-1614 | (205) 871-9101 |
| Lambert Agency Inc | Nationwide | 3232 Cahaba Heights Rd, Birmingham, 35243-1614 | (205) 871-9101 |
Blount 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 | +$64 | $1,513 |
| Driver's Failure In Showing Documents | +$141 | $1,590 |
| Driving With An Expired Registration | +$149 | $1,598 |
| Driving At A Considerably Slow Pace | +$314 | $1,763 |
| Using A Cellphone While Driving | +$332 | $1,781 |
| Running A Red Light | +$338 | $1,787 |
| Speeding | +$355 | $1,804 |
| Driving A Vehicle Without The Required Permission | +$451 | $1,900 |
| Driving With An Expired/Suspended License | +$977 | $2,426 |
Blount 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 | $1,391 |
| Active Disabling Device | $1,391 |
| Tracking Device | $1,362 |
| Passive Disabling Device | $1,348 |