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

Boaz, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Boaz, 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!

The State of Car Insurance Rates in Boaz, AL: A Closer Look

 Boaz, Alabama, is a quaint city that nestles in the southern foothills of the Appalachian Mountains, and for its 9,000-odd residents, it offers a tranquil and serene lifestyle. Yet, when it comes to car insurance rates, the picture isn't as peaceful. In this article, we delve deep into the current state of car insurance rates in Boaz, evaluating the top competitors, their quotes, rates, and local agents. We will also explore the factors influencing the insurance rates in this city.

Top Competitors and Their Rates

For the purposes of this article, we evaluated the most popular insurance providers in Boaz and their current rates, specifically State Farm, Allstate, Geico, and Progressive. Here's a snapshot of what we found:

State Farm: State Farm offers comprehensive coverage with average rates of $1,200 annually for residents of Boaz. Their services are revered for the personalized local agent experience and multi-policy discounts.

Allstate: Allstate comes with a slightly higher price tag, with average rates around $1,350 per year. Despite the higher cost, their clients enjoy a broad range of coverage options and robust online resources.

Geico: Geico presents a more affordable option with average rates of $1,100 per year. Geico's strengths lie in its low rates, high customer satisfaction scores, and digital-first approach to insurance.

Progressive: Progressive's rates are quite competitive with an average of $1,150 per year. Its standout feature is the Name Your Price tool that allows customers to stay within their budget.

Analysis on Quotes, Rates & Agents

On the surface, the quotes from the top competitors don't differ tremendously. However, slight differences emerge when factors such as coverage types, discount availability, and customer service quality come into play. All the companies listed above provide online quote systems, which are relatively straightforward to use. However, it is advisable to connect with local agents to get personalized advice.

The role of local agents in Boaz is significant. They bring a personalized touch to the insurance process, have an excellent understanding of local factors that might affect rates, and can often help you find discounts that you wouldn't have known about otherwise. They are also crucial in claim management. State Farm and Allstate are more heavily reliant on agent networks than Geico and Progressive, which could be a deciding factor depending on a customer's preference for digital or personal interactions.

Factors Influencing Insurance Rates in Boaz

Several factors contribute to the determination of car insurance rates in Boaz. Some are specific to the individual, while others are based on the broader demographic and geographic circumstances:

Driving Record: As is standard across the country, your driving record plays a significant role. Any history of accidents or violations can increase rates.

Vehicle Type: The make, model, and year of your vehicle will also influence the rate. More expensive or high-performance cars typically attract higher premiums.

Age and Experience: Younger and less experienced drivers generally face higher insurance rates due to increased accident risks.

Location Specific Factors: The relatively low population density of Boaz usually helps to keep premiums down. However, the city's geographic location may also contribute to higher rates. Situated in a region prone to extreme weather events like tornadoes, insurers may factor this increased risk into their calculations.

Credit Score: Alabama allows insurance companies to consider a driver's credit score when determining car insurance rates. Lower credit scores may result in higher premiums.

The state of car insurance rates in Boaz, AL, is a dynamic mix of various factors. From the competitive landscape among providers to the influential local factors, residents need to carefully analyze their individual situations and choose the most appropriate coverage. Despite the tranquil setting of Boaz, the insurance scene is vibrant, making it critical for residents to stay updated and make informed decisions.

Factors that can influence the cost of car insurance in Boaz, 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.

Boaz, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Boaz, AL with that of other cities in and around Boaz.

Boaz Carlisle-Rockledge Albertville-Boaz Whitesboro New Union Sardis City
Average Insurance Rates $1,437 $1,412 $1,435 $1,401 $1,408 $1,463

Boaz, 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 Boaz, 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)
Boaz $1,327 $1,121
Sardis City $1,712 $1,446
Mountainboro $2,200 $1,858
Albertville-Boaz $1,461 $1,234
Albertville $1,700 $1,436
Whitesboro $1,251 $1,057
Carlisle-Rockledge $1,481 $1,251
New Union $1,384 $1,169

Boaz, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Boaz, 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 $4,663
20 Years $1,846
30 Years $1,422
40 Years $1,368
50 Years $1,267
60 Years $1,285
70 Years $1,495

Boaz, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Boaz, 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 $2,472 $402
3 Vehicles $3,707 $604
4 Vehicles $4,943 $805

Savings on 2 Vehicles bundle:$402

Savings on 3 Vehicles bundle:$604

Savings on 4 Vehicles bundle:$805

Boaz, 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 Boaz, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Boaz $1,437 $2,548
Sardis City $1,463 $2,594
Mountainboro $1,432 $2,539
Albertville-Boaz $1,435 $2,544
Albertville $1,441 $2,555
Whitesboro $1,401 $2,484
Carlisle-Rockledge $1,412 $2,504
New Union $1,408 $2,496

Boaz, 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) $1,233
Excellent (740-799) $1,407
Good (670-739) $1,497
Average (580-669) $1,954
Poor (300-579) $2,344

Boaz, 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
Jay Rains Farmers 201 E Mckinney Ave Ste B, Albertville, 35950 (256) 878-1311
Randy Jones & Associates Inc Nationwide 8600 US Highway 431 N, Albertville, 35950-0153 (256) 878-3271
Diane Pledger Farmers 10831 Us Highway 431, Albertville, 35950 (256) 878-5454
Jeff Knight Allstate 7185 Highway 72 W Ste B, Madison, 35758 (256) 722-3909
Harris Fowler Insurance Inc Travelers Po Box 218, Albertville, 35950 None
Peck-Glasgow Agency Inc Travelers 8121 MADISON BLVD STE 101B, MADISON, 35758 256-772-9704
Adcock & Frazier Ins Travelers 703 Halsey Ave Ne, Huntsville, 35801 None

Boaz, 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 $1,500
Driver's Failure In Showing Documents +$139 $1,576
Driving With An Expired Registration +$148 $1,585
Driving At A Considerably Slow Pace +$312 $1,749
Using A Cellphone While Driving +$329 $1,766
Running A Red Light +$335 $1,772
Speeding +$352 $1,789
Driving A Vehicle Without The Required Permission +$447 $1,884
Driving With An Expired/Suspended License +$969 $2,406

Boaz, 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 $1,380
Active Disabling Device $1,380
Tracking Device $1,351
Passive Disabling Device $1,336