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

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

Zimlon, through its research, found that car owners in Brooksville, 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.

Compare Quotes from Top Providers and Save now!

Brooksville, AL: An Up-Close Look at Car Insurance Rates

In the heart of Alabama lies Brooksville, a vibrant community known for its southern charm and unique attributes. As with all cities and towns in Alabama, Brooksville residents are mandated to possess car insurance to navigate their roads legally. This article will offer an in-depth exploration of car insurance in Brooksville, spotlighting key market players, their pricing dynamics, and the myriad factors that influence these rates.

Top Market Players and Their Pricing Blueprint

While rates can vary based on a myriad of personal details, we can glean a general picture of the leading competitors in Brooksville, AL:

  • State Farm: A pillar in the insurance domain, State Farm's projected annual premiums in Brooksville might range from $1,170 to $1,600.

  • Geico: Esteemed for its extensive outreach, Geico's rates for Brooksville's populace typically swing between $1,080 and $1,510 annually.

  • Allstate: Renowned for its comprehensive suite of offerings, Allstate’s annual premiums for Brooksville could lie between $1,250 and $1,690.

  • Progressive: With a flair for innovation, Progressive's rates in Brooksville usually hover between $1,240 and $1,660.

  • Farmers: A household name, Farmers' indicative rates for Brooksville generally stand between $1,210 and $1,670 annually.

The Trifecta: Quotes, Rates & Agents

To truly grasp Brooksville’s car insurance landscape, it's essential to understand the interplay of quotes, rates, and agents:

Quotes: Preliminary estimates for potential policyholders, quotes give a ballpark of your possible costs. It’s savvy for Brooksville denizens to gather diverse quotes, leveraging both online resources and local agents, to secure the best deal.

Rates: A culmination of varied factors, rates represent the actual cost of insuring your vehicle in Brooksville, molded by everything from your vehicle type to Brooksville's vehicular mishap records.

Agents: Facilitating a smooth connection between consumers and providers, agents play a pivotal role. In Brooksville, a plethora of seasoned agents from various companies help residents to find a tailored policy.

Factors Steering Brooksville's Car Insurance Rates

Brooksville's rates don't emerge in isolation; they're the sum of various influencing factors:

  • Demographics: Elements like age, gender, and marital status can significantly tilt the rate scale. Notably, younger drivers, especially males, often contend with higher premiums.

  • Driving Record: Past driving infringements, be it accidents or violations, can amplify your premium.

  • Vehicle Specs: Premium sedans or sports cars usually come with heftier insurance tags compared to budget-friendly family cars.

  • Credit Landscape: Some insurers correlate credit health with potential risk, which means a strong credit history might fetch you a discount.

  • Local Crime Rates: Elevated instances of car thefts or vandalism in Brooksville can drive up insurance costs.

  • Claim Trends: If Brooksville witnesses a surge in auto insurance claims, it could indirectly push the overall rates upward.

  • Intrinsic Brooksville Factors: Attributes like prevalent weather patterns (eg.frequency of storms) or local traffic conditions can further modulate rates.

Car insurance in Brooksville, Alabama, is not just about compliance with the law; it's about understanding the local landscape, key market players, and the individualized factors that shape rates. Armed with this knowledge, Brooksville's residents can be assured of robust coverage that delivers value for every dollar spent.

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

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

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

Brooksville Joppa Clarence Baileyton Holly Pond Baileyton-Joppa
Average Insurance Rates $1,409 $1,413 $1,412 $1,432 $1,442 $1,427

Brooksville, 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 Brooksville, 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)
Brooksville $1,916 $1,618
Susan Moore $1,174 $992
Snead $1,171 $989
Baileyton-Joppa $1,937 $1,636
Holly Pond $2,786 $2,353
Clarence $1,481 $1,251
Baileyton $1,580 $1,335
Joppa $1,601 $1,352

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

Teenagers in Brooksville, 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 $4,572
20 Years $1,810
30 Years $1,394
40 Years $1,342
50 Years $1,242
60 Years $1,260
70 Years $1,466

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

Car owners in Brooksville, 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 $2,480 $338
3 Vehicles $3,720 $507
4 Vehicles $4,960 $676

Savings on 2 Vehicles bundle:$338

Savings on 3 Vehicles bundle:$507

Savings on 4 Vehicles bundle:$676

Brooksville, 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 Brooksville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Brooksville $1,409 $2,498
Susan Moore $1,434 $2,543
Snead $1,431 $2,537
Baileyton-Joppa $1,427 $2,530
Holly Pond $1,442 $2,557
Clarence $1,412 $2,504
Baileyton $1,432 $2,539
Joppa $1,413 $2,505

Brooksville, 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) $1,209
Excellent (740-799) $1,380
Good (670-739) $1,468
Average (580-669) $1,915
Poor (300-579) $2,298

Brooksville, 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
Jesus Granados State Farm 43586 State Highway 75, Snead, 35952-9661 205-466-3131
Pierce Harris State Farm 1246 Gunter Ave, Guntersville, 35976-1842 256-582-3250
Allison Agency Inc Travelers 8457 US HWY 431, ALBERTVILLE, 35950 256-891-8686
Jean Deese Agency None 61 Turkey Hop Rd , Holly Pond, 35083 None
Brad Johnson Allstate 26978 US Highway 72 Ste C, Athens, 35613 (256) 216-5470
Tim Barron State Farm 151 Hughes Rd Ste A, Madison, 35758-1100 256-772-0136
Jason Scholl Farmers 319 1st Ave E Ste B, Oneonta, 35121 (205) 625-5190
Mark Roller State Farm 410 Jordan Lane, Huntsville, 35805-2624 256-533-4730
Schrader-Broughton Inc Travelers 250 GOVERNORS DRIVE STE F, HUNTSVILLE, 35801 256-539-5307
Johnny Jackson Kilgro Jr Nationwide 4008 Triana Blvd, Huntsville, 35805-5406 (256) 221-5740

Brooksville, 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 +$62 $1,471
Driver's Failure In Showing Documents +$137 $1,546
Driving With An Expired Registration +$145 $1,554
Driving At A Considerably Slow Pace +$306 $1,715
Using A Cellphone While Driving +$323 $1,732
Running A Red Light +$328 $1,737
Speeding +$345 $1,754
Driving A Vehicle Without The Required Permission +$438 $1,847
Driving With An Expired/Suspended License +$950 $2,359

Brooksville, 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 $1,353
Active Disabling Device $1,353
Tracking Device $1,324
Passive Disabling Device $1,310