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

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

Zimlon, through its research, found that car owners in Brundidge, 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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Brundidge, AL: Understanding the Car Insurance Rate Environment

Nestled within Pike County, Brundidge, Alabama stands as a testament to southern heritage and culture. While it retains its historic charm, the modern-day realities of driving necessitate a thorough understanding of car insurance. In Alabama, having car insurance is more than just a protective measure—it's a legal requirement. Here’s a deep dive into the car insurance environment of Brundidge, spotlighting the key competitors, their pricing metrics, and the factors sculpting the insurance rates.

Premier Market Players and Their Pricing Spectrum

Though individual rates can vary substantially based on numerous factors, here's a generalized overview of leading insurance providers in Brundidge, AL:

  • State Farm: A stalwart in the insurance world, State Farm's estimated annual premiums for Brundidge residents can oscillate between $1,140 and $1,580.

  • Geico: Leveraging its vast footprint, Geico's rates in Brundidge typically span from $1,060 to $1,490 annually.

  • Allstate: A household name, Allstate's yearly premiums in Brundidge often range from $1,235 to $1,675.

  • Progressive: Renowned for its flexible offerings, Progressive's rates in Brundidge are generally between $1,220 and $1,640.

  • Farmers: Catering to a wide audience, Farmers’ indicative rates in Brundidge range from $1,190 to $1,645 annually.

Deciphering the Nexus: Quotes, Rates & Agents

The car insurance arena in Brundidge is underscored by the dynamic of quotes, rates, and agents:

Quotes: These preliminary estimates, tailored to prospective policyholders, offer a snapshot of potential costs. For the best deal in Brundidge, it's wise to amass an array of quotes, both online and via local agents.

Rates: Not just random numbers, rates are the product of a myriad of factors—encompassing both the characteristics of the insured vehicle and the unique facets of Brundidge itself.

Agents: Serving as the linchpin between insurers and customers, agents are invaluable. Their expertise can simplify the intricate web of car insurance for Brundidge residents, providing insights and tailored solutions.

Factors Molding Brundidge’s Car Insurance Rates

Brundidge's insurance rates are born out of a confluence of personal and localized elements:

  • Demographics: Variables such as age, gender, and marital status play a pivotal role. Younger drivers, particularly males, often grapple with higher rates.

  • Driving Legacy: A driving history peppered with infringements or accidents is likely to spike your premium.

  • Vehicle Nuances: High-end or sporty cars tend to command loftier insurance premiums compared to their modest counterparts.

  • Credit Health: Insurers often correlate fiscal responsibility with driving responsibility. A sterling credit history could thus slash your premium.

  • Local Criminal Trends: Areas within Brundidge with pronounced car thefts or vandalism might inadvertently see higher insurance rates.

  • Claim Behavior: A spurt in claims within Brundidge can potentially push up rates for all its residents.

  • Inherent Brundidge Factors: Innate characteristics of Brundidge, like customary weather disruptions or traffic patterns, also come into play.

To successfully navigate the car insurance waters in Brundidge, Alabama, a blend of local knowledge, understanding of market leaders, and awareness of personal determinants is key. With this multi-pronged understanding, Brundidge residents can ensure not just compliance with state laws, but also the acquisition of a policy that marries value with comprehensive coverage.

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

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

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

Brundidge Troy Victoria Pike County Henderson-Spring Hill Banks-Josie
Average Insurance Rates $1,398 $1,477 $1,429 $1,435 $1,405 $1,421

Brundidge, 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 Brundidge, 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)
Brundidge $1,676 $1,415
Ariton $1,319 $1,114
Banks $1,303 $1,101
Troy $1,352 $1,142
Pike County $1,174 $992
Banks-Josie $1,473 $1,244
Victoria $1,480 $1,250
Henderson-Spring Hill $1,407 $1,188

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

Teenagers in Brundidge, 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 $4,536
20 Years $1,796
30 Years $1,384
40 Years $1,331
50 Years $1,233
60 Years $1,250
70 Years $1,455

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

Car owners in Brundidge, 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 $2,405 $391
3 Vehicles $3,607 $587
4 Vehicles $4,809 $783

Savings on 2 Vehicles bundle:$391

Savings on 3 Vehicles bundle:$587

Savings on 4 Vehicles bundle:$783

Brundidge, 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 Brundidge, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Brundidge $1,398 $2,479
Ariton $1,430 $2,535
Banks $1,459 $2,587
Troy $1,477 $2,619
Pike County $1,435 $2,544
Banks-Josie $1,421 $2,519
Victoria $1,429 $2,534
Henderson-Spring Hill $1,405 $2,491

Brundidge, 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) $1,199
Excellent (740-799) $1,369
Good (670-739) $1,457
Average (580-669) $1,901
Poor (300-579) $2,280

Brundidge, 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
Trustway Insurance Allstate 141 Troy Plaza Loop, Troy, 36081 (334) 807-0056
Andy Blair Allstate 121 McNeil St, Troy, 36079 (334) 670-0334
Sanbuck Inc Travelers 101 South Three Notch Street, Troy, 36081 None
Malcolm Calhoun Allstate 8417 Crossland Loop, Montgomery, 36117 (334) 288-7095
Witherington Ins Grp Allstate 1200 Elba Hwy, Troy, 36079 (334) 566-1477
John Vermillion State Farm 8319 Crossland Loop, Montgomery, 36117-8483 334-819-7260
Owen Insurance Agency Of Montgomery Inc Travelers 8210 OLD FEDERAL RD, MONTGOMERY, 36117 334-279-7033
Palomar Insurance Corp Travelers 8193 VAUGHN RD, MONTGOMERY, 36116 334-270-0105

Brundidge, 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 $1,460
Driver's Failure In Showing Documents +$136 $1,534
Driving With An Expired Registration +$144 $1,542
Driving At A Considerably Slow Pace +$303 $1,701
Using A Cellphone While Driving +$320 $1,718
Running A Red Light +$326 $1,724
Speeding +$343 $1,741
Driving A Vehicle Without The Required Permission +$435 $1,833
Driving With An Expired/Suspended License +$942 $2,340

Brundidge, 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 $1,342
Active Disabling Device $1,342
Tracking Device $1,314
Passive Disabling Device $1,300