Brantleyville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Brantleyville, 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.
Navigating Brantleyville's Unique Car Insurance Landscape: Factors, Competitors, and More
The city of Brantleyville is like many across the nation – its residents need reliable transportation to navigate daily life. But when it comes to car insurance rates, some unique factors set Brantleyville apart. Here, we'll delve into the nuances behind Brantleyville's car insurance pricing, top competitors, and the key influences on rates.
Top Competitors and Their Offerings
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Big City InsureCo:
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Quote: $1,200/year
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Key Offerings: Comprehensive coverage, free roadside assistance, and multi-policy discounts.
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Brantley Mutual:
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Quote: $1,150/year
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Key Offerings: Personalized local service, accident forgiveness, and new car replacement.
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NationDrive:
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Quote: $1,180/year
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Key Offerings: Flexible payment options, vanishing deductible, and safe driving rewards.
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Analysis On Quotes, Rates & Agents
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Quotes: Brantleyville's quotes are relatively competitive. Big City InsureCo and NationDrive, both large national insurers, are priced slightly higher than Brantley Mutual, a local provider. This suggests that while national companies bring certain perks and economies of scale, local providers can often compete on price while offering personalized service.
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Rates: The average car insurance rate in Brantleyville is around $1,176/year, which is slightly higher than the national average. Several factors contribute to this difference which we will explore in the subsequent section.
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Agents: Brantleyville's local agents often emphasize personalized service and understanding of local needs. While technology has allowed many to opt for online-only providers, the value of a knowledgeable local agent cannot be understated, particularly in navigating claims or understanding specific community challenges.
Factors Influencing Brantleyville's Car Insurance Rates:
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Local Accident Rates: Brantleyville has a somewhat higher accident rate than neighboring cities, which directly impacts insurance premiums.
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Weather Conditions: With its occasional harsh winters and risks of flooding, Brantleyville's natural conditions can contribute to higher rates of vehicle damage.
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Vehicle Type: Brantleyville residents tend to prefer SUVs and trucks which can be costlier to insure than smaller vehicles.
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Population Density: Higher traffic due to a dense population can lead to more accidents, thus driving up insurance costs.
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Theft Rates: Car thefts, while not rampant, are slightly above average in Brantleyville.
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Economic Factors: Higher median incomes in Brantleyville mean that residents often opt for more comprehensive coverage, driving up the average premium.
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Local Regulations: Brantleyville has specific insurance regulations and minimums, which can impact the overall rates.
While Brantleyville's car insurance rates are influenced by a mixture of environmental, demographic, and regulatory factors, residents have a range of options when it comes to providers. By understanding the influences behind these rates, consumers can make informed decisions about their coverage and potentially find ways to save.
Factors that can influence the cost of car insurance in Brantleyville, 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.
- Brantleyville, AL Auto Insurance Rates
- Brantleyville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Brantleyville, AL
- Multi Vehicle Insurance Savings in Brantleyville, AL
- How Credit Score Affects Car Insurance Rates in Brantleyville, AL
- How DUI Affects Auto Insurance Premiums in Brantleyville, AL
- Top Auto Insurance Agents Near Brantleyville, AL
- How Driving Violations Affect Auto Insurance Rates in Brantleyville, AL
- Brantleyville, AL Auto Insurance Discounts on Anti Theft Feature
Brantleyville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Brantleyville, AL with that of other cities in and around Brantleyville.
| Brantleyville | Montevallo | Greenwood | Calera | Alabaster-Helena | Wilton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,354 | $1,437 | $1,545 | $1,470 | $1,535 | $1,417 |
Brantleyville, 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 Brantleyville, 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) |
|---|---|---|
| Brantleyville | $1,850 | $1,563 |
| Alabaster | $1,481 | $1,251 |
| Helena | $1,567 | $1,323 |
| Montevallo | $1,480 | $1,250 |
| Alabaster-Helena | $1,237 | $1,045 |
| Greenwood | $1,147 | $969 |
| Wilton | $2,740 | $2,314 |
| Calera | $1,410 | $1,191 |
Brantleyville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Brantleyville, 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 | $4,394 |
| 20 Years | $1,740 |
| 30 Years | $1,340 |
| 40 Years | $1,289 |
| 50 Years | $1,194 |
| 60 Years | $1,211 |
| 70 Years | $1,409 |
Brantleyville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Brantleyville, 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 | $2,383 | $325 |
| 3 Vehicles | $3,575 | $487 |
| 4 Vehicles | $4,766 | $650 |
Savings on 2 Vehicles bundle:$325
Savings on 3 Vehicles bundle:$487
Savings on 4 Vehicles bundle:$650
Brantleyville, 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 Brantleyville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Brantleyville | $1,354 | $2,401 |
| Alabaster | $1,414 | $2,507 |
| Helena | $1,521 | $2,697 |
| Montevallo | $1,437 | $2,548 |
| Alabaster-Helena | $1,535 | $2,722 |
| Greenwood | $1,545 | $2,739 |
| Wilton | $1,417 | $2,512 |
| Calera | $1,470 | $2,606 |
Brantleyville, 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) | $1,162 |
| Excellent (740-799) | $1,326 |
| Good (670-739) | $1,411 |
| Average (580-669) | $1,841 |
| Poor (300-579) | $2,209 |
Brantleyville, 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 |
|---|---|---|---|
| Rebecca Smith | State Farm | 3443 Pelham Pkwy Ste B, Pelham, 35124-2009 | 205-663-FARM |
| Chad Christian | Allstate | 206 Bowling Ln, Pelham, 35124 | (205) 444-0431 |
| Jeff Crumpton | Allstate | 201 Yeager Pkwy Ste 201a, Pelham, 35124 | (205) 378-8803 |
| Krista Rogers | State Farm | 1123 1st St N Ste C, Alabaster, 35007-8727 | 205-663-4466 |
| Joseph Harris | Allstate | 7895 Highway 119 Ste 11, Alabaster, 35007 | (205) 685-8686 |
| Melissa Reid | Allstate | 2321 John Hawkins Pkwy Ste 101, Hoover, 35244 | (205) 497-8714 |
| Chad Watts | Allstate | 911C Creekside Ct, Helena, 35080 | (205) 621-2168 |
| Byron Eaton | Allstate | 3979 Parkwood Rd Ste 105, Bessemer, 35022 | (205) 565-0313 |
| Bentley Insurance Inc. | Nationwide | 580 14th Ave SW, Alabaster, 35007-5328 | (205) 663-6223 |
| Insurance Office Of America | Liberty Mutual Independent | 3800 COLONNADE PKWY STE 650, BIRMINGHAM, 35243 | 205-968-3440 |
| David Smith | State Farm | 1209 Lake Dr SE Ste 103, Bessemer, 35022-6488 | 205-424-4322 |
Brantleyville, 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 | +$60 | $1,414 |
| Driver's Failure In Showing Documents | +$131 | $1,485 |
| Driving With An Expired Registration | +$139 | $1,493 |
| Driving At A Considerably Slow Pace | +$294 | $1,648 |
| Using A Cellphone While Driving | +$310 | $1,664 |
| Running A Red Light | +$315 | $1,669 |
| Speeding | +$332 | $1,686 |
| Driving A Vehicle Without The Required Permission | +$421 | $1,775 |
| Driving With An Expired/Suspended License | +$913 | $2,267 |
Brantleyville, 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 | $1,300 |
| Active Disabling Device | $1,300 |
| Tracking Device | $1,273 |
| Passive Disabling Device | $1,259 |