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

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.

Compare Quotes from Top Providers and Save now!

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 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