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

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

Zimlon, through its research, found that car owners in Brantley, 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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Investigating Car Insurance Rates in Brantley, AL

In the small town of Brantley, Alabama, life is perhaps a bit simpler than in more bustling locales, but the needs of daily life—such as car insurance—are no less vital. In this article, we'll investigate the current state of car insurance rates in Brantley, exploring the key competitors, their rates, and the factors influencing insurance prices.

Top Competitors and Their Rates

The car insurance landscape in Brantley is dominated by several well-known companies. Here's an overview of the top competitors and their average annual rates:

State Farm: Known for excellent customer service and a wide range of coverage options, State Farm offers an average annual rate of approximately $1,150 for Brantley residents.

Allstate: Allstate comes in with a slightly higher average annual rate of about $1,300. Allstate customers appreciate the company's comprehensive coverage options, easy-to-use online tools, and quality customer service.

Geico: Known for its competitive pricing, Geico's average annual rate in Brantley is around $1,050. The company offers a broad array of discounts, making it a popular choice among cost-conscious customers.

Progressive: Progressive, with its average annual rate of $1,200, offers a unique "Name Your Price" tool that helps customers find a plan that suits their budget.

Analysis on Quotes, Rates & Agents

While the differences in quotes between these insurance companies may seem minor, the devil is in the details. Factors such as coverage options, discount availability, and the quality of customer service can greatly influence which company is the best fit for a particular customer.

The role of insurance agents in Brantley is significant. They can provide a personalized touch, understand the local factors influencing insurance rates, and help customers find discounts that they might not otherwise be aware of. Companies like State Farm and Allstate place a strong emphasis on their network of local agents, offering a personal touch that some customers may prefer.

Factors Influencing Insurance Rates in Brantley

Several factors can influence car insurance rates in Brantley. Some are personal to each driver, while others reflect the broader demographic and geographic circumstances. Key factors include:

Driving Record: As is the case nationwide, a driver's record heavily influences insurance rates. Incidents such as accidents or traffic violations can result in higher premiums.

Vehicle Type: The make, model, and age of your car can significantly impact your insurance rates. Higher-value or performance cars typically cost more to insure.

Age and Experience: Younger and less experienced drivers generally face higher insurance rates due to their increased risk of accidents.

Location-Specific Factors: Given its small population and rural location, Brantley often enjoys lower rates due to reduced traffic and lower accident rates. However, Alabama's susceptibility to severe weather can influence rates on a broader scale.

Credit Score: In Alabama, car insurance companies are allowed to consider credit scores when determining rates. Lower credit scores may lead to higher premiums.

While Brantley may be a small town, the complexity of car insurance rates is no less significant here than in larger cities. Understanding the competitive landscape, as well as the individual and environmental factors influencing insurance premiums, can help residents of Brantley secure the best possible rates for their car insurance needs.

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

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

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

Brantley Crenshaw County Dozier Gantt Rose Hill-Gantt Glenwood
Average Insurance Rates $1,406 $1,399 $1,378 $1,401 $1,489 $1,356

Brantley, 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 Brantley, 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)
Brantley $1,475 $1,246
Dozier $1,880 $1,588
Rose Hill-Gantt $1,422 $1,201
Rutledge $1,231 $1,040
Luverne $1,906 $1,610
Glenwood $2,156 $1,821
Crenshaw County $1,223 $1,033
Gantt $2,178 $1,840

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

Teenagers in Brantley, 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 $4,562
20 Years $1,807
30 Years $1,391
40 Years $1,339
50 Years $1,240
60 Years $1,257
70 Years $1,463

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

Car owners in Brantley, 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 $2,390 $422
3 Vehicles $3,585 $633
4 Vehicles $4,780 $844

Savings on 2 Vehicles bundle:$422

Savings on 3 Vehicles bundle:$633

Savings on 4 Vehicles bundle:$844

Brantley, 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 Brantley, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Brantley $1,406 $2,493
Dozier $1,378 $2,443
Rose Hill-Gantt $1,489 $2,640
Rutledge $1,412 $2,504
Luverne $1,400 $2,482
Glenwood $1,356 $2,404
Crenshaw County $1,399 $2,480
Gantt $1,401 $2,484

Brantley, 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) $1,206
Excellent (740-799) $1,377
Good (670-739) $1,465
Average (580-669) $1,911
Poor (300-579) $2,293

Brantley, 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
Sharyn Smith State Farm 1805 E Three Notch St Ste 4, Andalusia, 36421-2403 334-222-1005
Al Snellgrove State Farm 1384 S Forest Ave, Luverne, 36049-7311 334-335-3431
Christopher Jackson Allstate 408 River Falls St, Andalusia, 36420 (334) 222-8553
Gary Maddox Allstate 510 N Main St, Opp, 36467 (334) 493-4477
Kenneth Calhoun State Farm 324 Simmons St, Elba, 36323-1758 334-897-3428
Boswell Ins Agcy None 707 W Simmons St, Elba, 36323 None
Watts Ins Agency Allstate 27 S Forest Ave, Luverne, 36049 (334) 335-5210
Southeast Insurance & Real Estate Travelers 416 N. Claxton Ave, Elba, 36323 None
Southeast Agency Allstate 9461 S Main St, Brantley, 36009 (334) 527-8900

Brantley, 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 +$62 $1,468
Driver's Failure In Showing Documents +$136 $1,542
Driving With An Expired Registration +$145 $1,551
Driving At A Considerably Slow Pace +$305 $1,711
Using A Cellphone While Driving +$322 $1,728
Running A Red Light +$328 $1,734
Speeding +$344 $1,750
Driving A Vehicle Without The Required Permission +$437 $1,843
Driving With An Expired/Suspended License +$948 $2,354

Brantley, 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 $1,350
Active Disabling Device $1,350
Tracking Device $1,322
Passive Disabling Device $1,308