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

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

Zimlon, through its research, found that car owners in Boligee, 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.

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Car Insurance Rates in Boligee, AL: Uncovering the Key Factors

Boligee, Alabama is a small town with a close-knit community of around 300 residents. Located in Greene County, Boligee offers its inhabitants an old-world charm that's hard to replicate. But while its small-town charm is endearing, residents still need to navigate the world of car insurance, just like their counterparts in larger cities. In this article, we take a closer look at the car insurance rates in Boligee, exploring the top competitors, their rates, and the critical factors influencing insurance prices.

Top Competitors and Their Rates

Car insurance rates can vary significantly from one provider to another. We've looked into the most popular providers in Boligee, namely State Farm, Allstate, Geico, and Progressive to provide a snapshot of the current rates:

State Farm: Known for its excellent customer service, State Farm offers residents an average rate of approximately $1,100 per year. Their customers appreciate the localized agent experience and multiple coverage options.

Allstate: Allstate offers a comprehensive range of coverage options, but with a slightly higher average rate of $1,250 annually. Noteworthy features include their accident forgiveness plan and a user-friendly mobile app.

Geico: As one of the most affordable options, Geico's average rate sits at about $1,050 annually. Their competitive edge lies in their efficient online platforms and broad range of discounts.

Progressive: Progressive's average annual rate is around $1,150. Their 'Name Your Price' tool is popular among customers who want to find a plan within their budget.

Analysis on Quotes, Rates & Agents

The differences in quotes from these major competitors may not seem substantial at first glance. However, the disparity emerges when you consider factors like coverage options, customer service, and discount availability. Each of these companies provides an online quote system, making it easy for customers to compare prices and services.

Agents play a critical role in the insurance landscape of Boligee. They provide personalized service, understand the unique factors affecting insurance in Boligee, and can help find hidden discounts. State Farm and Allstate, in particular, rely heavily on their network of agents. This personal touch can be essential for those who value a more hands-on service over digital convenience.

Factors Influencing Insurance Rates in Boligee

Several factors influence car insurance rates in Boligee. Some are related to individual drivers, while others are tied to broader demographic and geographic conditions. Key factors include:

Driving Record: A clean driving record can significantly reduce insurance rates. Accidents, traffic violations, or DUIs will typically result in higher premiums.

Vehicle Type: The make, model, and age of your vehicle will affect the cost of your insurance. Cars with high safety ratings often qualify for lower rates.

Age and Driving Experience: Younger, less experienced drivers generally have higher insurance premiums due to their statistically higher risk of accidents.

Location-specific Factors: Boligee's small size and low traffic levels can result in lower car insurance rates compared to larger, busier cities. However, Alabama's susceptibility to extreme weather such as hurricanes and tornadoes can lead to higher insurance costs.

Credit Score: In Alabama, insurance companies can use credit scores to determine car insurance rates. A lower credit score can lead to higher premiums.

The car insurance rates in Boligee, AL, are shaped by a variety of factors ranging from individual driving records to geographic considerations. The competitive landscape among insurers also plays a part. By understanding these influences, residents of Boligee can make more informed decisions about their car insurance, securing the best possible coverage for their needs. Despite Boligee's small size, the car insurance scene is dynamic, underscoring the importance of staying informed and shopping around.

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

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

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

Boligee Forkland Eutaw Forkland-Tishabee Epes Gainesville
Average Insurance Rates $1,342 $1,347 $1,399 $1,374 $1,385 $1,395

Boligee, 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 Boligee, 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)
Boligee $1,336 $1,128
Greene County $1,892 $1,598
Epes $1,279 $1,081
Forkland-Tishabee $1,152 $973
Gainesville $2,037 $1,721
Forkland $1,842 $1,556
Eutaw $1,367 $1,154
Mantua-West Greene $1,261 $1,065

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

Teenagers in Boligee, 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 $4,355
20 Years $1,724
30 Years $1,328
40 Years $1,278
50 Years $1,183
60 Years $1,200
70 Years $1,397

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

Car owners in Boligee, 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 $2,335 $349
3 Vehicles $3,503 $523
4 Vehicles $4,670 $698

Savings on 2 Vehicles bundle:$349

Savings on 3 Vehicles bundle:$523

Savings on 4 Vehicles bundle:$698

Boligee, 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 Boligee, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Boligee $1,342 $2,379
Greene County $1,389 $2,463
Epes $1,385 $2,456
Forkland-Tishabee $1,374 $2,436
Gainesville $1,395 $2,473
Forkland $1,347 $2,388
Eutaw $1,399 $2,480
Mantua-West Greene $1,391 $2,466

Boligee, 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) $1,151
Excellent (740-799) $1,314
Good (670-739) $1,398
Average (580-669) $1,824
Poor (300-579) $2,189

Boligee, 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
Ryan Whitson State Farm 1503 Bridge Ave, Northport, 35476-4865 205-722-2804
Sherry Jones State Farm 2130 Paul Bryant Dr Ste A, Tuscaloosa, 35401 205-759-5555
Buddy Martin Allstate 5690 Highway 43 N Ste C, Northport, 35473 (205) 210-3434
Joe Moore State Farm 104 West Main Street, Livingston, 35470 205-652-6735
Sidney Martin Allstate 1811 Skyland Blvd E, Tuscaloosa, 35405 (205) 556-3550
Sally Hines State Farm 1723 Hackberry Ln, Tuscaloosa, 35401-4936 205-758-9931
Philip A Bradberry State Farm 1425 Vets Meml Pkwy, Tuscaloosa, 35404-4702 205-556-5402
Tommy Brooker Insurance Agency Inc Travelers 1830 4TH ST, TUSCALOOSA, 35401 205-345-2345
Ins Ctr Of Tuscaloosa Inc Travelers 2105 JACK WARNER PKWAY, TUSCALOOSA, 35401 205-752-0486

Boligee, 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 +$59 $1,401
Driver's Failure In Showing Documents +$130 $1,472
Driving With An Expired Registration +$138 $1,480
Driving At A Considerably Slow Pace +$291 $1,633
Using A Cellphone While Driving +$307 $1,649
Running A Red Light +$313 $1,655
Speeding +$329 $1,671
Driving A Vehicle Without The Required Permission +$417 $1,759
Driving With An Expired/Suspended License +$905 $2,247

Boligee, 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 $1,288
Active Disabling Device $1,288
Tracking Device $1,261
Passive Disabling Device $1,248