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

Brilliant, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Brilliant, 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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Insights into Brilliant, AL's Car Insurance Rates: A Comprehensive Overview

Brilliant, Alabama, nestled within Marion County, may not be as expansive as major metropolitans, but it carries its unique charm, heritage, and community spirit. Like all Alabama towns, residents of Brilliant need to secure car insurance, a requirement by the state law. In this article, we delve into Brilliant's car insurance rates, examine the leading competitors, and uncover the factors that sway these rates.

Leading Competitors and Their Prices

Specific rates can fluctuate based on several individualized elements. However, for Brilliant, AL, these are some of the premier competitors along with an approximate overview of the prices they offer:

  • State Farm: One of America's foremost car insurance providers, State Farm's rates for Brilliant residents usually range between $1,150 and $1,580 annually.

  • Geico: Geico, another national contender, offers rates in Brilliant that typically span from $1,080 to $1,480 annually.

  • Allstate: Serving a vast clientele, Allstate's insurance premiums in Brilliant may hover between $1,250 and $1,690 annually.

  • Progressive: Known for flexibility and innovative solutions, Progressive's rates in Brilliant are generally estimated between $1,220 and $1,620.

  • Farmers: With its extensive national network, Farmers' rates in Brilliant usually oscillate between $1,190 and $1,640 annually.

Quotes, Rates & Agents: An Interplay

Understanding Brilliant's car insurance domain requires a grasp of the dynamics of quotes, rates, and agents:

Quotes: Essentially, a quote provides a ballpark figure of your policy cost. It's advisable for Brilliant's residents to obtain multiple quotes, either online or through agents, ensuring a competitive rate.

Rates: Determined by an amalgamation of factors, rates can be swayed by everything from your car's make and model to Brilliant's own road safety records.

Agents: Serving as the bridge between consumers and providers, agents play a pivotal role. Brilliant has a roster of seasoned agents from diverse companies, aiding residents in matching their needs with the right policy.

Factors Pivotal to Brilliant's Car Insurance Rates

Car insurance rates in Brilliant aren't arbitrary. They're a culmination of:

  • Demographics: Factors like age, gender, and marital status are instrumental. For instance, younger drivers, especially males, might face steeper rates.

  • Driving History: The cleaner the slate, the better the rate. Past accidents or traffic violations can upend premiums.

  • Vehicle Specs: Insuring a high-end sports car will invariably cost more than a standard family sedan.

  • Credit Standing: Credit scores, deemed by some insurers as risk predictors, can influence rates, with higher scores often leading to discounts.

  • Local Crime Metrics: Higher auto-theft or vandalism can inflate insurance premiums.

  • Claim Frequency: If Brilliant experiences a high volume of claims, this can incrementally raise rates for its citizens.

  • Locale-specific Challenges: Aspects like regular weather patterns (risk of hail, for instance) or prevalent traffic conditions can also affect rates.

The tapestry of car insurance rates in Brilliant, Alabama is woven from its localized challenges, the vigor of the market, and the individual profiles of its drivers. A discerning understanding of the market players and the dynamics governing rates empowers residents to make informed choices, ensuring they're well-covered without compromising on value.

Factors that can influence the cost of car insurance in Brilliant, 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.

Brilliant, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Brilliant, AL with that of other cities in and around Brilliant.

Brilliant Winfield Bear Creek Natural Bridge Twin Eldridge
Average Insurance Rates $1,395 $1,450 $1,368 $1,953 $1,431 $1,364

Brilliant, 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 Brilliant, 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)
Brilliant $1,379 $1,165
Winfield $1,500 $1,267
Natural Bridge $2,012 $1,699
Twin $1,321 $1,116
Lynn $1,669 $1,409
Bear Creek $1,866 $1,576
Marion County $2,119 $1,790
Eldridge $1,418 $1,198

Brilliant, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Brilliant, 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 $4,527
20 Years $1,792
30 Years $1,381
40 Years $1,328
50 Years $1,230
60 Years $1,247
70 Years $1,452

Brilliant, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Brilliant, 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 $2,399 $391
3 Vehicles $3,599 $586
4 Vehicles $4,799 $781

Savings on 2 Vehicles bundle:$391

Savings on 3 Vehicles bundle:$586

Savings on 4 Vehicles bundle:$781

Brilliant, 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 Brilliant, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Brilliant $1,395 $2,473
Winfield $1,450 $2,571
Natural Bridge $1,953 $3,463
Twin $1,431 $2,537
Lynn $1,386 $2,457
Bear Creek $1,368 $2,425
Marion County $1,410 $2,500
Eldridge $1,364 $2,418

Brilliant, 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) $1,197
Excellent (740-799) $1,366
Good (670-739) $1,454
Average (580-669) $1,896
Poor (300-579) $2,275

Brilliant, 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
Clayton Colvard Allstate 42226 Highway 195, Haleyville, 35565 (205) 545-2006
Jerry W. Walker Insurance Agency Inc. None 233 Bexar Ave Hamilton, Hamilton, 35570 None
Your Ins Ctrs Inc. Allstate 400 Bexar Ave W, Hamilton, 35570 (205) 921-2141
David Hall Ins Agency Inc Nationwide 754 US Hwy 43, Winfield, 35594 (205) 487-4545
Jason Parker State Farm 2506 Avalon Ave, Muscle Shoals, 35661-3124 256-381-3434
Tom Jones Insurance Travelers 106 NORTH MAIN ST, TUSCUMBIA, 35674 256-383-5451
Winfield Insurance Liberty Mutual Independent 853 US HIGHWAY 43, WINFIELD, 35594 (205) 487-3271
M J Carter & Company Inc Travelers 111 E 3RD ST, TUSCUMBIA, 35674 256-381-1334

Brilliant, 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 $1,456
Driver's Failure In Showing Documents +$135 $1,530
Driving With An Expired Registration +$144 $1,539
Driving At A Considerably Slow Pace +$303 $1,698
Using A Cellphone While Driving +$319 $1,714
Running A Red Light +$325 $1,720
Speeding +$342 $1,737
Driving A Vehicle Without The Required Permission +$434 $1,829
Driving With An Expired/Suspended License +$940 $2,335

Brilliant, 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 $1,339
Active Disabling Device $1,339
Tracking Device $1,311
Passive Disabling Device $1,297