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.
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 Rates
- Brantley, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Brantley, AL
- Multi Vehicle Insurance Savings in Brantley, AL
- How Credit Score Affects Car Insurance Rates in Brantley, AL
- How DUI Affects Auto Insurance Premiums in Brantley, AL
- Top Auto Insurance Agents Near Brantley, AL
- How Driving Violations Affect Auto Insurance Rates in Brantley, AL
- Brantley, AL Auto Insurance Discounts on Anti Theft Feature
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 |