Brighton, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Brighton, 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.
Brighton, AL Car Insurance Rates: A Thorough Analysis
Brighton, Alabama, a picturesque town located in Jefferson County, is home to a rich history, beautiful landscapes, and a close-knit community. Like all states, Alabama requires its residents to have car insurance, and those in Brighton are no exception. This article dives deep into the car insurance rates of Brighton, the top competitors, and the factors that influence the costs.
Top Competitors and Their Prices
While specific prices can vary significantly based on a variety of personal factors, these are some of the top competitors in Brighton, AL, along with a general idea of the prices they offer:
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State Farm: As one of the most well-known car insurance providers in the U.S., State Farm offers competitive rates for Brighton residents, with average annual premiums ranging between $1,200 and $1,600.
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Geico: Another industry giant, Geico's rates in Brighton can average between $1,100 and $1,500 annually.
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Allstate: This provider offers a range of insurance options, with Brighton's annual car insurance premiums hovering between $1,300 and $1,700.
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Progressive: Known for its versatile plans, Progressive's average annual rates in Brighton are estimated to be between $1,250 and $1,650.
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Farmers: Offering both home and auto insurance, Farmers' car insurance rates in Brighton typically range from $1,200 to $1,650.
Quotes, Rates & Agents
The car insurance landscape in Brighton is characterized by the interplay of quotes, rates, and agents. Here's how they interact:
Quotes: A quote is an estimate of what you'll pay for a policy. Brighton residents can easily get these online or through agents. It's essential to gather multiple quotes to ensure you're getting the best rate.
Rates: The rate you get can depend on a myriad of factors. In Brighton, rates can be influenced by factors ranging from the type of car you drive to the city's accident statistics.
Agents: Agents are invaluable for those unfamiliar with the insurance world. Brighton boasts a collection of experienced and friendly agents from various companies, ensuring residents can find the right fit for their needs.
Factors Influencing Car Insurance Rates in Brighton
Several elements can influence the cost of car insurance in Brighton:
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Demographics: Age, gender, and marital status play a role in determining rates. Young drivers, especially males, typically face higher premiums.
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Driving Record: A clean driving record can lead to lower rates, while violations or accidents can result in higher premiums.
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Vehicle Type: Luxury or sports cars can cost more to insure compared to more common sedans or SUVs.
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Credit Score: Some insurance companies use credit scores to predict risk, with higher scores generally leading to lower rates.
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Local Crime Rates: Areas with higher vehicle theft or vandalism rates may have higher insurance premiums.
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Frequency of Claims: If a particular area, like Brighton, has a high frequency of claims, the rates might be higher for residents.
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Location-specific Risks: Factors like local weather patterns or traffic congestion can also influence rates.
Brighton's car insurance rates are a reflection of its unique blend of local factors, the competitiveness of the market, and individual driver characteristics. By understanding the key players in the market and the dynamics that determine pricing, residents can better navigate their insurance choices and ensure they get the best possible rates for their circumstances.
Factors that can influence the cost of car insurance in Brighton, 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.
- Brighton, AL Auto Insurance Rates
- Brighton, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Brighton, AL
- Multi Vehicle Insurance Savings in Brighton, AL
- How Credit Score Affects Car Insurance Rates in Brighton, AL
- How DUI Affects Auto Insurance Premiums in Brighton, AL
- How Driving Violations Affect Auto Insurance Rates in Brighton, AL
- Brighton, AL Auto Insurance Discounts on Anti Theft Feature
Brighton, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Brighton, AL with that of other cities in and around Brighton.
| Brighton | McDonald Chapel | Hueytown | Fairfield | Lipscomb | Bessemer | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,378 | $1,374 | $1,438 | $1,420 | $1,373 | $1,407 |
Brighton, 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 Brighton, 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) |
|---|---|---|
| Brighton | $1,324 | $1,118 |
| Lipscomb | $1,414 | $1,195 |
| Midfield | $1,430 | $1,208 |
| Fairfield | $1,163 | $982 |
| Hueytown | $1,176 | $994 |
| Pleasant Grove | $1,017 | $859 |
| Bessemer | $1,550 | $1,309 |
| McDonald Chapel | $1,207 | $1,020 |
Brighton, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Brighton, 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 | $4,471 |
| 20 Years | $1,771 |
| 30 Years | $1,364 |
| 40 Years | $1,312 |
| 50 Years | $1,215 |
| 60 Years | $1,232 |
| 70 Years | $1,434 |
Brighton, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Brighton, 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 | $2,343 | $413 |
| 3 Vehicles | $3,514 | $620 |
| 4 Vehicles | $4,685 | $827 |
Savings on 2 Vehicles bundle:$413
Savings on 3 Vehicles bundle:$620
Savings on 4 Vehicles bundle:$827
Brighton, 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 Brighton, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Brighton | $1,378 | $2,443 |
| Lipscomb | $1,373 | $2,434 |
| Midfield | $1,401 | $2,484 |
| Fairfield | $1,420 | $2,518 |
| Hueytown | $1,438 | $2,550 |
| Pleasant Grove | $1,481 | $2,626 |
| Bessemer | $1,407 | $2,495 |
| McDonald Chapel | $1,374 | $2,436 |
Brighton, 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) | $1,182 |
| Excellent (740-799) | $1,350 |
| Good (670-739) | $1,436 |
| Average (580-669) | $1,873 |
| Poor (300-579) | $2,248 |
Brighton, 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 | +$61 | $1,439 |
| Driver's Failure In Showing Documents | +$134 | $1,512 |
| Driving With An Expired Registration | +$142 | $1,520 |
| Driving At A Considerably Slow Pace | +$299 | $1,677 |
| Using A Cellphone While Driving | +$316 | $1,694 |
| Running A Red Light | +$321 | $1,699 |
| Speeding | +$338 | $1,716 |
| Driving A Vehicle Without The Required Permission | +$429 | $1,807 |
| Driving With An Expired/Suspended License | +$929 | $2,307 |
Brighton, 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 | $1,323 |
| Active Disabling Device | $1,323 |
| Tracking Device | $1,295 |
| Passive Disabling Device | $1,282 |