Blue Ridge, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Blue Ridge, 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.
Dissecting the Factors Behind Car Insurance Rates in Blue Ridge, AL
The dynamics of car insurance rates can be complex, shaped by a myriad of factors that can vary widely by location. In this article, we will deep dive into the car insurance scenario in Blue Ridge, Alabama, detailing the top competitors, their pricing, and an analysis of quotes, rates, and agents, along with the key factors influencing the insurance rates in the city.
Top Competitors and Their Pricing in Blue Ridge, AL
Blue Ridge, Alabama, boasts a number of reputable car insurance providers. Each of these providers offers different rates, primarily based on their unique risk assessment models. The leading competitors in this region include State Farm, Allstate, Geico, and Progressive.
State Farm: Renowned for its diverse coverage options, State Farm's average annual premium in Blue Ridge is around $1,300.
Allstate: Allstate is recognized for its customized policies, with an average annual car insurance rate in Blue Ridge of about $1,350.
Geico: Popular for its cost-effective plans, Geico's average annual premium in Blue Ridge sits at approximately $1,310.
Progressive: Known for its flexibility, Progressive's average annual premium in Blue Ridge is roughly $1,340.
Analysis of Quotes, Rates & Agents
Insurance quotes and rates are primarily determined by each company's perception of risk, factoring in the driver, the vehicle, and the location. Local agents play a crucial role in this scenario, helping customers understand and navigate the complex landscape of insurance rates.
In Blue Ridge, agents use their local market knowledge and understanding of various insurance plans to provide valuable guidance to customers, helping them secure the best coverage at the most affordable price.
Factors Influencing Car Insurance Rates in Blue Ridge, AL
A multitude of factors can impact car insurance rates in Blue Ridge:
Driver Profile: The age, gender, marital status, driving record, and credit score of a driver can greatly affect insurance rates. Generally, younger drivers, particularly males, and drivers with a less than stellar record or lower credit scores are faced with higher premiums.
Vehicle Information: The make, model, year, safety features, and theft likelihood of a vehicle can significantly influence insurance rates. Higher-end vehicles or sports cars typically attract higher premiums due to an increased risk of theft and accidents.
Location-Specific Factors: Elements unique to Blue Ridge, such as local crime rates, traffic congestion, and weather patterns, can also have an impact on car insurance rates.
Coverage Level: The chosen level of coverage directly affects the insurance rate. Policies with more comprehensive coverage will naturally have higher premiums.
Discounts: Insurance companies often offer various discounts that can significantly lower premiums. These may include good driver discounts, low annual mileage discounts, multi-policy discounts, and vehicle safety feature discounts.
Understanding the factors influencing car insurance rates in Blue Ridge, AL, is crucial for residents to make informed decisions about their coverage. By comparing rates from the top competitors, understanding the role of agents, and acknowledging the unique city-specific factors, residents can ensure they are receiving the best possible coverage at the best possible price.
Factors that can influence the cost of car insurance in Blue Ridge, 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.
- Blue Ridge, AL Auto Insurance Rates
- Blue Ridge, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Blue Ridge, AL
- Multi Vehicle Insurance Savings in Blue Ridge, AL
- How Credit Score Affects Car Insurance Rates in Blue Ridge, AL
- How DUI Affects Auto Insurance Premiums in Blue Ridge, AL
- Top Auto Insurance Agents Near Blue Ridge, AL
- How Driving Violations Affect Auto Insurance Rates in Blue Ridge, AL
- Blue Ridge, AL Auto Insurance Discounts on Anti Theft Feature
Blue Ridge, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Blue Ridge, AL with that of other cities in and around Blue Ridge.
| Blue Ridge | Coosada | Elmore | Millbrook | Emerald Mountain | Wetumpka | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,603 | $1,487 | $1,473 | $1,475 | $1,557 | $1,505 |
Blue Ridge, 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 Blue Ridge, 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) |
|---|---|---|
| Blue Ridge | $1,391 | $1,175 |
| Redland | $2,303 | $1,945 |
| Wetumpka | $949 | $801 |
| Emerald Mountain | $2,224 | $1,878 |
| Elmore County | $1,279 | $1,081 |
| Coosada | $2,068 | $1,747 |
| Elmore | $1,630 | $1,377 |
| Millbrook | $1,012 | $855 |
Blue Ridge, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Blue Ridge, 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 | $5,201 |
| 20 Years | $2,060 |
| 30 Years | $1,586 |
| 40 Years | $1,526 |
| 50 Years | $1,413 |
| 60 Years | $1,433 |
| 70 Years | $1,668 |
Blue Ridge, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Blue Ridge, 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 | $2,789 | $417 |
| 3 Vehicles | $4,184 | $625 |
| 4 Vehicles | $5,578 | $834 |
Savings on 2 Vehicles bundle:$417
Savings on 3 Vehicles bundle:$625
Savings on 4 Vehicles bundle:$834
Blue Ridge, 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 Blue Ridge, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Blue Ridge | $1,603 | $2,842 |
| Redland | $1,574 | $2,791 |
| Wetumpka | $1,505 | $2,668 |
| Emerald Mountain | $1,557 | $2,761 |
| Elmore County | $1,439 | $2,551 |
| Coosada | $1,487 | $2,636 |
| Elmore | $1,473 | $2,612 |
| Millbrook | $1,475 | $2,615 |
Blue Ridge, 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) | $1,375 |
| Excellent (740-799) | $1,570 |
| Good (670-739) | $1,670 |
| Average (580-669) | $2,179 |
| Poor (300-579) | $2,615 |
Blue Ridge, 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 |
|---|---|---|---|
| Breck Honea | State Farm | 61 Market Pl Ste A, Montgomery, 36117-4910 | 334-272-8423 |
| Keyesta Sherman | State Farm | 125 Cambridge Ct, Wetumpka, 36093-1260 | 334-478-3864 |
| Harmon Dennis Bradshaw Inc | Liberty Mutual Independent | 7115 HALCYON SUMMIT DR, MONTGOMERY, 36117 | 334-273-7277 |
| Kris Stallworth | State Farm | 3460 Eastdale Cir, Montgomery, 36117-2163 | 334-277-9789 |
| Bancorpsouth Ins Services Inc | Travelers | 4216 CARMICHAEL RD, MONTGOMERY, 36106 | 334-272-1200 |
| Bancorp Ins Srv | Allstate | 4216 Carmichael Rd, Montgomery, 36106 | (334) 272-1200 |
| Henry Moreman | Allstate | 9190 Boyd Cooper Pkwy, Montgomery, 36117 | (334) 669-1263 |
| Randy L Smith | Allstate | 524 N Broadway Ave, Sylacauga, 35150 | (256) 245-4336 |
| Janet Jones | State Farm | 222 Broadway Avenue North, Sylacauga, 35150-2526 | 256-249-3984 |
Blue Ridge, 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 | +$71 | $1,674 |
| Driver's Failure In Showing Documents | +$155 | $1,758 |
| Driving With An Expired Registration | +$165 | $1,768 |
| Driving At A Considerably Slow Pace | +$348 | $1,951 |
| Using A Cellphone While Driving | +$367 | $1,970 |
| Running A Red Light | +$373 | $1,976 |
| Speeding | +$393 | $1,996 |
| Driving A Vehicle Without The Required Permission | +$499 | $2,102 |
| Driving With An Expired/Suspended License | +$1,080 | $2,683 |
Blue Ridge, 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 | $1,539 |
| Active Disabling Device | $1,539 |
| Tracking Device | $1,507 |
| Passive Disabling Device | $1,491 |