Bullock County Auto Insurance Rates, Quotes, Agents & Reviews in AL

Bullock County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bullock County, 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!

Bullock County, AL: A Comprehensive Examination of Car Insurance Rates

Located in the southeastern region of Alabama, Bullock County boasts a rich history and scenic landscapes. As with other counties in Alabama, possessing a car insurance policy isn’t just a prudent decision—it’s a mandated requirement. In this article, we dissect the car insurance scenario in Bullock County, highlighting the principal market players, their pricing modalities, and the various factors that dictate insurance rates.

Pinnacle Market Competitors and Their Pricing Bandwidth

While individual rates can deviate based on a myriad of personal specifics, a general overview of the market leaders in Bullock County, AL provides valuable insight:

State Farm: Revered for its steadfast presence, State Farm's yearly premiums in Bullock County might range from $1,130 to $1,570.

Geico: With its ubiquity and consumer-centric approach, Geico's rates in Bullock County generally hover between $1,050 and $1,480 annually.

Allstate: A market behemoth, Allstate's annual rates for Bullock County residents usually stand between $1,230 and $1,665.

Progressive: Celebrated for its adaptability, Progressive's rates for Bullock County oscillate from $1,210 to $1,630.

Farmers: Tailoring its solutions to diverse needs, Farmers’ typical rates in Bullock County fall between $1,180 and $1,640 annually.

Disentangling the Triumvirate: Quotes, Rates & Agents

To adeptly grasp Bullock County’s car insurance landscape, it’s crucial to discern the dynamics of quotes, rates, and agents:

Quotes: These preliminary cost projections are paramount for prospective policyholders. For an astute decision, residents of Bullock County should accrue multiple quotes, spanning online platforms and local agents.

Rates: These encapsulate a vast array of determinants, covering the spectrum from your vehicle’s attributes to Bullock County’s accident statistics.

Agents: These professionals bridge the gap between customers and insurance firms. Bullock County is home to numerous seasoned agents, skilled in distilling complex terms and facilitating optimal policies.

Factors Sculpting Bullock County's Car Insurance Rates

The insurance rate matrix in Bullock County is a melange of individual and localized factors:

Demographics: Age, gender, and marital status are cardinal determinants. Typically, novice drivers, especially young males, encounter steeper rates.

Driving Portfolio: Premiums can be influenced by past driving infractions, whether accidents or other violations.

Vehicle Dynamics: Luxury vehicles or those with a high-performance matrix might incur heftier insurance rates compared to standard vehicles.

Credit Profile: A salient credit history might be synonymous with lowered premiums, as some insurers correlate fiscal diligence with driving prudence.

Local Crime Metrics: Elevated car thefts or vandalism within Bullock County can inflate insurance rates.

Claim Patterns: A collective uptick in claims within Bullock County can inadvertently bump up premiums across the board.

Innate Bullock County Aspects: Endemic factors, such as prevalent weather patterns or established traffic congestions, also weigh in.

Deciphering the car insurance maze in Bullock County, Alabama, requires a holistic approach—melding an understanding of regional dynamics, recognizing top industry players, and fathoming personal determinants. Equipped with this comprehensive knowledge, the denizens of Bullock County can ensure their coverage is both robust and financially sound.

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

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

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

Bullock County Needmore Fitzpatrick Midway Fort Davis Union Springs
Average Insurance Rates $1,388 $1,396 $1,487 $1,386 $1,404 $1,386

Bullock County, 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 Bullock County, 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)
Bullock County $1,599 $1,350
Union Springs $1,416 $1,196
Inverness $1,892 $1,598
Midway $1,439 $1,215
Fitzpatrick $1,652 $1,395
Fort Davis $1,936 $1,636
Warriorstand-Creek Stand $1,306 $1,103
Needmore $1,578 $1,333

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

Teenagers in Bullock County, 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 $4,504
20 Years $1,783
30 Years $1,374
40 Years $1,322
50 Years $1,224
60 Years $1,241
70 Years $1,444

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

Car owners in Bullock County, 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 $2,387 $389
3 Vehicles $3,581 $583
4 Vehicles $4,775 $777

Savings on 2 Vehicles bundle:$389

Savings on 3 Vehicles bundle:$583

Savings on 4 Vehicles bundle:$777

Bullock County, 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 Bullock County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Bullock County $1,388 $2,461
Union Springs $1,386 $2,457
Inverness $1,373 $2,434
Midway $1,386 $2,457
Fitzpatrick $1,487 $2,636
Fort Davis $1,404 $2,489
Warriorstand-Creek Stand $1,408 $2,496
Needmore $1,396 $2,475

Bullock County, 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) $1,191
Excellent (740-799) $1,359
Good (670-739) $1,446
Average (580-669) $1,887
Poor (300-579) $2,264

Bullock County, 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
Walt Chapman State Farm 115 Hardaway Avenue W, Union Springs, 36089-0658 334-738-5166
Cedric Bradford State Farm 420 S Lawrence St, Montgomery, 36104-4220 334-262-5100
Walt Chapman State Farm 115 Hardaway Ave W, Union Springs, 36089-1502 334-738-2590
Adrianne Dugan Allstate 9190 Boyd Cooper Pkwy, Montgomery, 36117 (334) 669-1263
Harmon, Dennis & Bradshaw None Po Box 241667, Montgomery, 36124 None
Bancorpsouth Insurance Services, Inc. None 4216 Carmichael Rd, Montgomery, 36106 (334) 272-1200
Janice Henderson State Farm 2310 Crawford Road, Phenix City, 36867-3612 334-297-2337
Alabama Insurance Alliance Liberty Mutual Independent 3500 EASTERN BLVD, MONTGOMERY, 36116 334-277-1000
Dennis Owens Allstate 721 E Glenn Ave, Auburn, 36830 (334) 821-7570

Bullock County, 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 $1,449
Driver's Failure In Showing Documents +$135 $1,523
Driving With An Expired Registration +$143 $1,531
Driving At A Considerably Slow Pace +$301 $1,689
Using A Cellphone While Driving +$318 $1,706
Running A Red Light +$323 $1,711
Speeding +$340 $1,728
Driving A Vehicle Without The Required Permission +$432 $1,820
Driving With An Expired/Suspended License +$936 $2,324

Bullock County, 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 $1,332
Active Disabling Device $1,332
Tracking Device $1,305
Passive Disabling Device $1,291