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

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

Zimlon, through its research, found that car owners in Butler, 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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The Story Behind Butler, AL's Car Insurance Rates

Butler, Alabama, a quintessential southern city in Choctaw County, is cherished for its community bonds and rich historical backdrop. While its charm is undeniable, so is the necessity for its denizens to be well-versed in the intricacies of car insurance. This article unravels the tale behind car insurance in Butler, spotlighting the preeminent competitors, their pricing strategy, and the factors that etch the insurance landscape of this city.

Top-Tier Market Contenders and Their Pricing Dynamics

Although insurance rates can be a kaleidoscope of individual attributes, a panoramic view of Butler’s chief insurance providers yields the following insights:

State Farm: With its entrenched reputation, State Farm's annual premiums for Butler’s populace may fluctuate between $1,120 and $1,560.

Geico: With its innovative offerings, Geico's rates in Butler generally range from $1,040 to $1,470 annually.

Allstate: A linchpin in the insurance domain, Allstate's yearly premiums for Butler hover around $1,220 to $1,660.

Progressive: Known for its user-friendly approach, Progressive's rates in Butler generally oscillate from $1,200 to $1,620.

Farmers: Serving a vast clientele, Farmers’ average rates in Butler span from $1,170 to $1,630 annually.

Peeling Back the Layers: Quotes, Rates & Agents

Understanding Butler’s insurance milieu demands clarity on three critical pillars: quotes, rates, and agents:

Quotes: These are the compass for potential policyholders. To ensure a judicious choice, Butler residents are advised to gather a medley of quotes, leveraging both online algorithms and local agents.

Rates: Not just a reflection of a dollar value, rates incorporate diverse facets—from your car’s heritage to Butler’s own accident chronicles.

Agents: The human touch in a predominantly digital age, agents demystify the enigma of insurance for Butler residents, crafting bespoke solutions aligned with individual needs.

Factors Tailoring Butler’s Car Insurance Rates

Butler's car insurance rates are a mosaic of personal credentials and city-specific nuances:

Demographics: Pillars such as age, gender, and marital status invariably cast their shadow. Notably, youthful drivers, especially males, might see escalated rates.

Driving Chronicles: A ledger speckled with transgressions or mishaps can nudge premiums upwards.

Vehicle Lineage: High-caliber or sports-centric cars typically carry heftier insurance tags compared to their conventional peers.

Credit History: Given that some insurers perceive fiscal discipline as a proxy for driving responsibility, a stellar credit record can pare down your premium.

City Crime Metrics: Zones in Butler grappling with heightened car thefts or acts of vandalism might see an uptick in insurance rates.

Claim Behavior: A broader surge in claims within Butler can echo in augmented rates for its inhabitants.

Butler’s DNA: Elements inherently tied to Butler—be it typical weather anomalies or prevailing traffic snarls—can also color rates.

The car insurance narrative in Butler, Alabama, is a tapestry of local traditions, market dynamics, and individual profiles. By plumbing the depths of this narrative, Butler's denizens can not only align with Alabama’s legal stipulations but also carve out a policy path that seamlessly merges fiscal prudence with exhaustive coverage.

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

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

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

Butler Toxey Choctaw County Gilbertown-Toxey Nanafalia Needham
Average Insurance Rates $1,399 $1,431 $1,390 $1,386 $1,962 $1,377

Butler, 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 Butler, 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)
Butler $1,904 $1,609
Choctaw County $1,243 $1,050
Needham $2,665 $2,251
Putnam $2,001 $1,690
Gilbertown-Toxey $1,889 $1,596
Toxey $2,167 $1,830
Nanafalia $2,021 $1,707
Pennington $1,904 $1,609

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

Teenagers in Butler, 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 $4,540
20 Years $1,798
30 Years $1,385
40 Years $1,332
50 Years $1,234
60 Years $1,251
70 Years $1,456

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

Car owners in Butler, 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 $2,406 $392
3 Vehicles $3,609 $588
4 Vehicles $4,813 $783

Savings on 2 Vehicles bundle:$392

Savings on 3 Vehicles bundle:$588

Savings on 4 Vehicles bundle:$783

Butler, 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 Butler, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Butler $1,399 $2,480
Choctaw County $1,390 $2,464
Needham $1,377 $2,441
Putnam $1,943 $3,445
Gilbertown-Toxey $1,386 $2,457
Toxey $1,431 $2,537
Nanafalia $1,962 $3,479
Pennington $1,381 $2,449

Butler, 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) $1,200
Excellent (740-799) $1,370
Good (670-739) $1,458
Average (580-669) $1,902
Poor (300-579) $2,282

Butler, 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
Insurance Express Allstate 12729 Highway 17, Gilbertown, 36908 (251) 843-2299
Eddie Pope State Farm 128 N Mulberry Ave, Butler, 36904-2224 205-459-4485
Rebecca Chastain Allstate 4413 N College Ave, Jackson, 36545 (251) 247-0717
Meador-Duckworth-Morris Inc None P O Box 597 , Butler, 36904 None
The Lambert Agy Llc Allstate 16641 Jordan Street, Chatom, 36518 (251) 847-3880
Mckeachnie Insurance Services Inc Travelers 1256 W 400 S Ste 2 , Vernal, 84078 None

Butler, 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 $1,461
Driver's Failure In Showing Documents +$136 $1,535
Driving With An Expired Registration +$144 $1,543
Driving At A Considerably Slow Pace +$304 $1,703
Using A Cellphone While Driving +$320 $1,719
Running A Red Light +$326 $1,725
Speeding +$343 $1,742
Driving A Vehicle Without The Required Permission +$435 $1,834
Driving With An Expired/Suspended License +$943 $2,342

Butler, 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 $1,343
Active Disabling Device $1,343
Tracking Device $1,315
Passive Disabling Device $1,301