Brent, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Brent, 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.
Rising Car Insurance Rates in Brent, AL: A Detailed Exploration
As with many cities across the country, Brent, Alabama, has witnessed fluctuations in car insurance rates over the years. Understanding the nuances of these changes and their influencing factors can be crucial for residents looking to make informed decisions about their coverage. In this article, we'll dive deep into the rising car insurance rates in Brent, examining top competitors, their prices, and the unique dynamics of quotes, rates, and agents.
Top Competitors and Their Pricing in Brent, AL
Brent's car insurance market is dominated by several leading providers, each with its distinct pricing approach. The major competitors include:
State Farm: Renowned for its nationwide reach and diverse policy options, State Farm's average annual premium in Brent stands at around $1,280.
Allstate: With a reputation for robust coverage and flexible plans, Allstate offers an average annual car insurance rate of approximately $1,310 in Brent.
Geico: Catering to a broad spectrum of customers, Geico's average annual premium in Brent is pegged at $1,265.
Progressive: Valued for its innovative policies and user-friendly interface, Progressive's average annual rate in Brent is roughly $1,295.
Analysis of Quotes, Rates & Agents
In the realm of car insurance, the intricacies of quotes, rates, and agents are pivotal. Each quote essentially reflects a blend of various risk factors perceived by insurance companies.
Local agents in Brent, with their deep market insights and understanding of individual requirements, bridge the gap between customers and insurance providers. They help demystify the complexities surrounding quotes and rates, ensuring residents get value-for-money coverage.
Factors Influencing the Rising Car Insurance Rates in Brent, AL
Several dynamics are at play when it comes to the fluctuating car insurance rates in Brent:
Demographics: Aspects such as age, gender, and marital status of the driver can significantly influence rates. Younger or inexperienced drivers often attract higher premiums due to perceived risks.
Vehicle Details: Specifications like make, model, age, and safety features play a role in determining insurance rates. Luxury cars or those susceptible to theft might command higher premiums.
Local Factors: Brent-specific factors, such as crime rates, traffic congestion, and even historical accident data, can have a bearing on insurance rates.
Coverage Scope: Naturally, more extensive coverage comes at a higher price. Those opting for comprehensive plans over basic liability coverage will see steeper premiums.
Economic Factors: Macroeconomic dynamics, including inflation and regional economic health, can also affect insurance premiums.
Claim Frequencies: A rise in the number of claims, either due to increased accidents or natural calamities, can lead to a surge in insurance rates.
While Brent, AL, has seen a rise in car insurance rates, understanding the underlying factors can offer clarity and empower residents to make better choices. Collaborating with local agents and regularly revisiting one's policy can help in optimizing coverage and cost.
Factors that can influence the cost of car insurance in Brent, 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.
- Brent, AL Auto Insurance Rates
- Brent, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Brent, AL
- Multi Vehicle Insurance Savings in Brent, AL
- How Credit Score Affects Car Insurance Rates in Brent, AL
- How DUI Affects Auto Insurance Premiums in Brent, AL
- Top Auto Insurance Agents Near Brent, AL
- How Driving Violations Affect Auto Insurance Rates in Brent, AL
- Brent, AL Auto Insurance Discounts on Anti Theft Feature
Brent, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Brent, AL with that of other cities in and around Brent.
| Brent | Heiberger | Piper-Coleanor | Bibb County | Vance | Centreville-Brent | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,424 | $1,408 | $2,025 | $1,431 | $1,463 | $1,436 |
Brent, 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 Brent, 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) |
|---|---|---|
| Brent | $1,409 | $1,190 |
| Centreville-Brent | $1,399 | $1,181 |
| Centreville | $1,999 | $1,689 |
| Bibb County | $2,141 | $1,809 |
| West Blocton | $1,966 | $1,661 |
| Piper-Coleanor | $2,086 | $1,762 |
| Heiberger | $1,229 | $1,038 |
| Vance | $1,981 | $1,673 |
Brent, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Brent, 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 | $4,621 |
| 20 Years | $1,830 |
| 30 Years | $1,409 |
| 40 Years | $1,356 |
| 50 Years | $1,256 |
| 60 Years | $1,273 |
| 70 Years | $1,482 |
Brent, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Brent, 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 | $2,421 | $427 |
| 3 Vehicles | $3,631 | $641 |
| 4 Vehicles | $4,842 | $854 |
Savings on 2 Vehicles bundle:$427
Savings on 3 Vehicles bundle:$641
Savings on 4 Vehicles bundle:$854
Brent, 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 Brent, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Brent | $1,424 | $2,525 |
| Centreville-Brent | $1,436 | $2,546 |
| Centreville | $1,449 | $2,569 |
| Bibb County | $1,431 | $2,537 |
| West Blocton | $1,426 | $2,528 |
| Piper-Coleanor | $2,025 | $3,590 |
| Heiberger | $1,408 | $2,496 |
| Vance | $1,463 | $2,594 |
Brent, 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) | $1,222 |
| Excellent (740-799) | $1,395 |
| Good (670-739) | $1,484 |
| Average (580-669) | $1,936 |
| Poor (300-579) | $2,323 |
Brent, 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 |
|---|---|---|---|
| Trustway | Travelers | 1837 MONTGOMERY HIGHWAY SOUTH SUITE 105, HOOVER, 35244 | 205-451-1945 |
| Lori Zucco Insurance Llc | None | 107 Columbiana Rd., Homewood, 35209 | None |
| Jeff Crumpton | Allstate | 201 Yeager Pkwy Ste 201a, Pelham, 35124 | (205) 378-8803 |
| Eyal Ron | Allstate | 3900 Montclair Rd Ste 280, Birmingham, 35213 | (205) 870-0115 |
| Lee Thompson | State Farm | 20026 Highway 11, Woodstock, 35188-3733 | 205-938-3338 |
| Crutchfield & Graves Insurance Agency | Travelers | BLDG 200 CHASE PARK S STE 200, BIRMINGHAM, 35244 | 205-988-5099 |
| Nesbitt & Associates Inc | Travelers | 1008 MONTGOMERY HWY STE 104, BIRMINGHAM, 35216 | 205-822-2063 |
| Lori Zucco Ins Llc | Travelers | 107 COLUMBIANA RD, HOMEWOOD, 35209 | 205-942-4448 |
| Doug Elliott | Farmers | 2080 Valleydale Rd Ste 14, Hoover, 35244 | (205) 991-7330 |
| Turner Benefit Services Inc | Travelers | 1400 9TH AVE STE 108, BESSEMER, 35020 | 205-663-8683 |
| J H Berry Insurance Agency | None | 720 32Nd Steet S, Birmingham, 35209 | None |
Brent, 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 | $1,487 |
| Driver's Failure In Showing Documents | +$138 | $1,562 |
| Driving With An Expired Registration | +$147 | $1,571 |
| Driving At A Considerably Slow Pace | +$309 | $1,733 |
| Using A Cellphone While Driving | +$326 | $1,750 |
| Running A Red Light | +$332 | $1,756 |
| Speeding | +$349 | $1,773 |
| Driving A Vehicle Without The Required Permission | +$443 | $1,867 |
| Driving With An Expired/Suspended License | +$960 | $2,384 |
Brent, 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 | $1,367 |
| Active Disabling Device | $1,367 |
| Tracking Device | $1,339 |
| Passive Disabling Device | $1,324 |