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

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

Zimlon, through its research, found that car owners in Brookwood, 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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An In-depth Study of Car Insurance Rates in Brookwood, AL

Situated in Tuscaloosa County, Brookwood, Alabama is a quaint town known for its community spirit and serene environment. The town, like the rest of Alabama, has statutory requirements for drivers to possess car insurance. This article delves into the car insurance labyrinth of Brookwood, presenting a nuanced understanding of top competitors, their pricing strategies, and the intricate factors that influence insurance rates.

Dominant Market Contenders and Their Pricing Model

While car insurance rates can deviate based on individual circumstances, here's a generic overview of the top players in Brookwood, AL:

  • State Farm: A titan in the industry, State Farm’s approximate annual premiums for Brookwood residents range from $1,150 to $1,590.

  • Geico: With an expansive network, Geico's average rates in Brookwood oscillate between $1,065 and $1,500 annually.

  • Allstate: Widely recognized, Allstate's yearly rates in Brookwood are generally between $1,240 and $1,685.

  • Progressive: Acclaimed for its modern outlook, Progressive's rates for the Brookwood zone stand between $1,225 and $1,650.

  • Farmers: Offering a plethora of insurance solutions, Farmers’ rates for Brookwood residents span from $1,195 to $1,655 annually.

Navigating the Triad: Quotes, Rates & Agents

To fathom Brookwood’s car insurance paradigm, one must grasp the nuances of quotes, rates, and agents:

Quotes: Representing the preliminary cost estimate for insuring a vehicle, it's prudent for Brookwood residents to fetch multiple quotes – spanning online platforms and agents – to guarantee the best value proposition.

Rates: Your car insurance rate in Brookwood is no arbitrary figure; it encapsulates everything from your car's make and model to Brookwood’s own driving mishap statistics.

Agents: Serving as the bridge between policyholders and insurers, agents are pivotal. Brookwood boasts a roster of seasoned agents adept at offering bespoke solutions and guidance.

Drivers of Brookwood's Car Insurance Rates

Car insurance rates in Brookwood are shaped by a blend of localized and individual factors:

  • Demographics: Parameters like age, gender, and marital status cast their influence. Typically, younger drivers, especially males, face steeper rates.

  • Driving Antecedents: A history dotted with traffic violations or accidents can elevate your premium.

  • Vehicle Characteristics: A luxurious sports car commands a heftier insurance rate compared to a standard family sedan.

  • Credit Profile: Oftentimes, insurers associate creditworthiness with potential risk. Hence, a commendable credit score can trim down your premium.

  • Local Crime Rates: Brookwood areas grappling with elevated car thefts or vandalism rates might witness a consequent rise in insurance premiums.

  • Claim Patterns: A collective rise in claims within Brookwood could indirectly boost rates for the town's residents.

  • Endemic Brookwood Elements: Features intrinsic to Brookwood, such as typical weather aberrations or traffic density, can additionally impact rates.

Demystifying car insurance in Brookwood, Alabama requires a delicate balance of understanding market dynamics, recognizing the top players, and being privy to the individual and local elements that mold rates. Armed with this holistic understanding, Brookwood's citizens can stride confidently, securing unmatched value and comprehensive protection on their car insurance journey.

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

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

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

Brookwood Holt Coaling Abernant Lake View North Johns
Average Insurance Rates $1,431 $1,387 $1,479 $1,500 $1,531 $1,437

Brookwood, 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 Brookwood, 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)
Brookwood $1,374 $1,161
North Johns $1,247 $1,054
Abernant $1,481 $1,251
Coaling-Vance $1,513 $1,278
Coaling $1,669 $1,409
Holt $1,913 $1,616
Tuscaloosa County $1,225 $1,034
Lake View $2,954 $2,495

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

Teenagers in Brookwood, 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 $4,643
20 Years $1,839
30 Years $1,416
40 Years $1,363
50 Years $1,262
60 Years $1,279
70 Years $1,489

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

Car owners in Brookwood, 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 $2,433 $429
3 Vehicles $3,649 $644
4 Vehicles $4,865 $859

Savings on 2 Vehicles bundle:$429

Savings on 3 Vehicles bundle:$644

Savings on 4 Vehicles bundle:$859

Brookwood, 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 Brookwood, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Brookwood $1,431 $2,537
North Johns $1,437 $2,548
Abernant $1,500 $2,660
Coaling-Vance $1,463 $2,594
Coaling $1,479 $2,622
Holt $1,387 $2,459
Tuscaloosa County $1,323 $2,346
Lake View $1,531 $2,714

Brookwood, 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) $1,228
Excellent (740-799) $1,401
Good (670-739) $1,491
Average (580-669) $1,945
Poor (300-579) $2,334

Brookwood, 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
Doug Jinks Insurance Center Inc Travelers 22680 BUCKSVILLE ROAD, MCCALLA, 35111 205-477-1711
Shane Lewis State Farm 4760 Eastern Valley Rd Ste 110, Mc Calla, 35111-3457 205-477-9600
Tracey Sova State Farm 4151 University Blvd E, Tuscaloosa, 35404-4459 205-554-1455
Pete Russell Allstate 4761 Letson Farms Ste 109c, McCalla, 35111 (205) 477-7785
Edwards Financial Group Llc Allstate 1400 3rd Ave N, Birmingham, 35203 (205) 510-9000
Ronald Woods Allstate 2100 Data Park Ste 208, Hoover, 35244 (205) 988-5566
Stan White State Farm 5011 Ford Pkwy, Bessemer, 35022-5279 205-425-3280
Scott Richards Nationwide 2070 Valleydale Rd STE 4, Birmingham, 35244-2035 (205) 988-4346
Gina Falletta State Farm 2926 Central Ave Ste Bc, Homewood, 35209-2556 205-731-4663
Proassurance Agency Liberty Mutual Independent 100 BROOKWOOD PL 300, BIRMINGHAM, 35209 205-445-2661
Crc Insurance Services Inc Liberty Mutual Independent 1 METROPLEX DR STE 400, BIRMINGHAM, 35209 (205) 870-7790

Brookwood, 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 $1,494
Driver's Failure In Showing Documents +$139 $1,570
Driving With An Expired Registration +$147 $1,578
Driving At A Considerably Slow Pace +$311 $1,742
Using A Cellphone While Driving +$328 $1,759
Running A Red Light +$333 $1,764
Speeding +$351 $1,782
Driving A Vehicle Without The Required Permission +$445 $1,876
Driving With An Expired/Suspended License +$964 $2,395

Brookwood, 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 $1,374
Active Disabling Device $1,374
Tracking Device $1,345
Passive Disabling Device $1,331