Blountsville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Blountsville, 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.
Understanding the Variability of Car Insurance Rates in Blountsville, AL
Car insurance rates vary significantly across different locations, and this variability can be traced back to a multitude of factors. This article delves into the specifics of car insurance rates in Blountsville, Alabama, detailing the top competitors, their pricing, an analysis of quotes, rates, and agents, and the critical influences on the insurance rates in the city.
Top Competitors and Their Pricing in Blountsville, AL
Blountsville, Alabama, features several major car insurance providers, each offering a unique pricing model based on their assessment of risk. The primary competitors in this city are State Farm, Allstate, Geico, and Progressive:
State Farm: Offering diverse coverage options, State Farm's average annual premium in Blountsville stands around $1,050.
Allstate: Known for its tailor-made policies, Allstate's average annual car insurance rate in Blountsville is about $1,100.
Geico: Acclaimed for budget-friendly policies, Geico's average annual premium in Blountsville hovers around $1,090.
Progressive: With flexible coverage choices, Progressive's average annual premium in Blountsville is approximately $1,080.
Analysis of Quotes, Rates & Agents
Insurance quotes and rates are shaped by the insurance company's perception of risk, factoring in the driver's profile, the vehicle, and the geographical location. Agents, particularly those well-versed in local conditions, play an essential role in helping customers navigate these complexities and secure optimal coverage at affordable prices.
In Blountsville, agents utilize their local expertise to advise customers on the range of quotes available, potentially securing lower premiums for their clients.
Factors Influencing Car Insurance Rates in Blountsville, AL
Several factors impact car insurance rates in Blountsville:
Driver Profile: The age, gender, marital status, driving record, and credit score of a driver significantly influence insurance rates. Younger drivers, particularly males, and those with a tarnished driving history or poor credit scores generally face steeper premiums.
Vehicle Information: The make, model, year, safety features, and likelihood of theft of a vehicle also impact insurance rates. High-end or sports cars typically incur higher premiums due to the increased risk of theft and accidents.
Location-Specific Factors: Aspects unique to Blountsville, like the local crime rate, traffic volume, and weather conditions, can also affect car insurance rates.
Coverage Level: The selected level of coverage directly impacts the insurance rate, with more comprehensive coverage naturally costing more than basic liability coverage.
Discounts: Insurance companies often offer various discounts that can substantially reduce premiums. These can be based on a clean driving record, low annual mileage, multiple insurance policies, or having advanced safety features in a vehicle.
Understanding the intricacies of car insurance rates in Blountsville, AL, is key to securing the best policy to suit individual needs. By comparing rates from top competitors, acknowledging the vital role of agents in the quote and rate process, 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 Blountsville, 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.
- Blountsville, AL Auto Insurance Rates
- Blountsville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Blountsville, AL
- Multi Vehicle Insurance Savings in Blountsville, AL
- How Credit Score Affects Car Insurance Rates in Blountsville, AL
- How DUI Affects Auto Insurance Premiums in Blountsville, AL
- Top Auto Insurance Agents Near Blountsville, AL
- How Driving Violations Affect Auto Insurance Rates in Blountsville, AL
- Blountsville, AL Auto Insurance Discounts on Anti Theft Feature
Blountsville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Blountsville, AL with that of other cities in and around Blountsville.
| Blountsville | Rosa | Garden City | Holly Pond | Cleveland | Nectar | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,443 | $1,428 | $1,399 | $1,442 | $1,440 | $1,451 |
Blountsville, 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 Blountsville, 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) |
|---|---|---|
| Blountsville | $1,642 | $1,387 |
| Nectar | $1,399 | $1,181 |
| Blount County | $1,078 | $911 |
| Cleveland | $1,071 | $905 |
| Garden City | $1,582 | $1,336 |
| Rosa | $1,498 | $1,265 |
| Holly Pond | $2,786 | $2,353 |
| Welti | $1,046 | $884 |
Blountsville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Blountsville, 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 | $4,682 |
| 20 Years | $1,854 |
| 30 Years | $1,428 |
| 40 Years | $1,374 |
| 50 Years | $1,272 |
| 60 Years | $1,290 |
| 70 Years | $1,502 |
Blountsville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Blountsville, 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 | $2,511 | $375 |
| 3 Vehicles | $3,766 | $563 |
| 4 Vehicles | $5,022 | $750 |
Savings on 2 Vehicles bundle:$375
Savings on 3 Vehicles bundle:$563
Savings on 4 Vehicles bundle:$750
Blountsville, 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 Blountsville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Blountsville | $1,443 | $2,558 |
| Nectar | $1,451 | $2,573 |
| Blount County | $1,449 | $2,569 |
| Cleveland | $1,440 | $2,553 |
| Garden City | $1,399 | $2,480 |
| Rosa | $1,428 | $2,532 |
| Holly Pond | $1,442 | $2,557 |
| Welti | $1,437 | $2,548 |
Blountsville, 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) | $1,238 |
| Excellent (740-799) | $1,413 |
| Good (670-739) | $1,504 |
| Average (580-669) | $1,962 |
| Poor (300-579) | $2,354 |
Blountsville, 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 |
|---|---|---|---|
| Lesley Hyde | State Farm | 307 2nd Ave NW Spc 11, Cullman, 35055-2822 | 256-734-8906 |
| Kimberly Joyce Hale | Nationwide | 103 Commercial St, Hanceville, 35077 | (256) 352-9992 |
| Shirley Quattlebaum | State Farm | 905 2nd Ave SW, Cullman, 35055-4224 | 256-255-1515 |
| A G D Ins Llc | Liberty Mutual Independent | 2603 NEWBY RD SW, HUNTSVILLE, 35805 | 256-382-1390 |
| Craig Wiggins | Allstate | 924 Merchants Walk SW Ste A, Huntsville, 35801 | (256) 536-5555 |
| Community Insurance Llc | Travelers | 100 CHURCH ST STE 600, HUNTSVILLE, 35801 | 256-533-5600 |
Blountsville, 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 | $1,506 |
| Driver's Failure In Showing Documents | +$140 | $1,583 |
| Driving With An Expired Registration | +$149 | $1,592 |
| Driving At A Considerably Slow Pace | +$313 | $1,756 |
| Using A Cellphone While Driving | +$330 | $1,773 |
| Running A Red Light | +$336 | $1,779 |
| Speeding | +$354 | $1,797 |
| Driving A Vehicle Without The Required Permission | +$449 | $1,892 |
| Driving With An Expired/Suspended License | +$973 | $2,416 |
Blountsville, 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 | $1,385 |
| Active Disabling Device | $1,385 |
| Tracking Device | $1,356 |
| Passive Disabling Device | $1,342 |