Brighton Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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:

  • 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.

  • Geico: Another industry giant, Geico's rates in Brighton can average between $1,100 and $1,500 annually.

  • Allstate: This provider offers a range of insurance options, with Brighton's annual car insurance premiums hovering between $1,300 and $1,700.

  • Progressive: Known for its versatile plans, Progressive's average annual rates in Brighton are estimated to be between $1,250 and $1,650.

  • 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:

  • Demographics: Age, gender, and marital status play a role in determining rates. Young drivers, especially males, typically face higher premiums.

  • Driving Record: A clean driving record can lead to lower rates, while violations or accidents can result in higher premiums.

  • Vehicle Type: Luxury or sports cars can cost more to insure compared to more common sedans or SUVs.

  • Credit Score: Some insurance companies use credit scores to predict risk, with higher scores generally leading to lower rates.

  • Local Crime Rates: Areas with higher vehicle theft or vandalism rates may have higher insurance premiums.

  • Frequency of Claims: If a particular area, like Brighton, has a high frequency of claims, the rates might be higher for residents.

  • 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 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