Brewton, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Brewton, 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.
What's Driving Car Insurance Rates in Brewton, AL
Brewton, Alabama, a picturesque town with a strong sense of community and Southern charm, has seen changes in car insurance rates over the years. As with any location, various factors influence these rates. This article will explore these factors, provide an analysis on quotes, rates & agents, and shed light on the top competitors in the market.
Top Competitors and Their Prices
some of the leading car insurance providers in Alabama include:
State Farm: Renowned for their comprehensive coverage and customer service, State Farm's average rate in Brewton is approximately $1,200 annually.
GEICO: A favorite due to its easy online platform and affordable coverage, the average rate in Brewton is around $1,100 annually
Allstate: Known for its personalized agent service, Allstate’s rates average at about $1,250 annually.
Progressive: Offering numerous discounts and versatile coverage options, Progressive's average rate is approximately $1,150 annually.
USAA: Available to military members and their families, USAA has competitive rates, with an average of $1,050 annually.
Analysis On Quotes, Rates & Agents
Quotes: The range of quotes provided in Brewton varies widely based on a driver's record, the type of vehicle insured, and other personal factors. As a tip, it's essential to obtain quotes from multiple providers to find the most suitable rate.
Rates: Brewton's car insurance rates tend to be on par with the Alabama state average. However, various factors can influence these rates, including a person's driving history, age, gender, marital status, and the make and model of their vehicle.
Agents: Local agents in Brewton play a significant role in helping residents find the best insurance deals. Their intimate knowledge of the local market, combined with personalized service, makes them an invaluable resource. However, online-only providers are becoming increasingly popular due to the convenience they offer.
Factors Influencing Insurance Rates in Brewton
Traffic & Accident Rates: Higher traffic densities and accident rates can result in higher premiums. If Brewton sees an increase in either, insurance companies might adjust rates accordingly.
Crime Rates: Areas with higher vehicle-related crimes, such as theft or vandalism, can experience increased insurance rates.
Local Regulations: Any changes to state or local laws concerning insurance requirements can also influence rates.
Environmental Factors: Natural disasters like hurricanes or floods can affect rates. Brewton's susceptibility to certain natural events can play a role in rate determinations.
Economic Conditions: In times of economic downturn, there might be an uptick in claims, leading to higher rates. Conversely, economic booms might correlate with more vehicle purchases and thus more insurance policies, affecting the overall pricing landscape.
Demographics: The age distribution of Brewton's residents can influence rates. Younger drivers typically face higher rates due to their perceived risk, so if Brewton has a larger younger population, this might reflect in the average rates.
Car insurance rates in Brewton, AL, are shaped by a mix of localized and broader factors. While certain influencers like crime rates or local regulations might be more controllable at the community level, others, such as natural disasters or state-wide economic conditions, are more unpredictable. Residents looking for the best rates should continually shop around, leverage local agents, and stay informed about the factors influencing their premiums.
Factors that can influence the cost of car insurance in Brewton, 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.
- Brewton, AL Auto Insurance Rates
- Brewton, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Brewton, AL
- Multi Vehicle Insurance Savings in Brewton, AL
- How Credit Score Affects Car Insurance Rates in Brewton, AL
- How DUI Affects Auto Insurance Premiums in Brewton, AL
- Top Auto Insurance Agents Near Brewton, AL
- How Driving Violations Affect Auto Insurance Rates in Brewton, AL
- Brewton, AL Auto Insurance Discounts on Anti Theft Feature
Brewton, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Brewton, AL with that of other cities in and around Brewton.
| Brewton | Pollard | Mount Carmel | Dixonville | Escambia County | East Brewton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,432 | $1,432 | $2,091 | $2,066 | $1,418 | $1,406 |
Brewton, 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 Brewton, 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) |
|---|---|---|
| Brewton | $1,385 | $1,170 |
| Escambia County | $1,309 | $1,106 |
| East Brewton | $1,350 | $1,141 |
| Riverview | $1,299 | $1,097 |
| Pollard | $1,274 | $1,076 |
| Flomaton | $1,903 | $1,608 |
| Mount Carmel | $994 | $840 |
| Dixonville | $1,362 | $1,150 |
Brewton, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Brewton, 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 | $4,647 |
| 20 Years | $1,840 |
| 30 Years | $1,417 |
| 40 Years | $1,364 |
| 50 Years | $1,263 |
| 60 Years | $1,280 |
| 70 Years | $1,490 |
Brewton, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Brewton, 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 | $2,520 | $344 |
| 3 Vehicles | $3,780 | $516 |
| 4 Vehicles | $5,041 | $687 |
Savings on 2 Vehicles bundle:$344
Savings on 3 Vehicles bundle:$516
Savings on 4 Vehicles bundle:$687
Brewton, 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 Brewton, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Brewton | $1,432 | $2,539 |
| Escambia County | $1,418 | $2,514 |
| East Brewton | $1,406 | $2,493 |
| Riverview | $1,400 | $2,482 |
| Pollard | $1,432 | $2,539 |
| Flomaton | $1,398 | $2,479 |
| Mount Carmel | $2,091 | $3,273 |
| Dixonville | $2,066 | $3,233 |
Brewton, 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) | $1,229 |
| Excellent (740-799) | $1,402 |
| Good (670-739) | $1,492 |
| Average (580-669) | $1,947 |
| Poor (300-579) | $2,336 |
Brewton, 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 |
|---|---|---|---|
| Thi Insurance Inc | Travelers | 1251 SOUTH BLVD, BREWTON, 36426 | 251-867-8085 |
| Bancorpsouth Ins Services Inc | Travelers | 1012 DOUGLAS AVE, BREWTON, 36426 | 251-368-2106 |
| Jason Young | State Farm | 605 Dolive St, Bay Minette, 36507-3123 | 251-937-5565 |
| John Chason | State Farm | 412 Courthouse Sq, Bay Minette, 36507-4816 | 251-937-6913 |
| Brewton Insurance & Real Estate Agency | Travelers | 401 EVERGREEN AVE, BREWTON, 36427 | 251-867-4316 |
| Dockery & Associates Inc | Nationwide | 108 North Hoyle Ave, Bay Minette, 36507 | (251) 937-7513 |
Brewton, 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 | $1,495 |
| Driver's Failure In Showing Documents | +$139 | $1,571 |
| Driving With An Expired Registration | +$147 | $1,579 |
| Driving At A Considerably Slow Pace | +$311 | $1,743 |
| Using A Cellphone While Driving | +$328 | $1,760 |
| Running A Red Light | +$334 | $1,766 |
| Speeding | +$351 | $1,783 |
| Driving A Vehicle Without The Required Permission | +$445 | $1,877 |
| Driving With An Expired/Suspended License | +$965 | $2,397 |
Brewton, 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 | $1,375 |
| Active Disabling Device | $1,375 |
| Tracking Device | $1,346 |
| Passive Disabling Device | $1,332 |