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

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

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

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Understanding Car Insurance Costs in Calhoun County, AL

Calhoun County, nestled in the heart of Alabama, is renowned for its historical significance, vibrant culture, and a rich tapestry of communities. As its roadways become increasingly busier, comprehending the dynamics of car insurance becomes essential. This article will serve as a guide to demystify car insurance rates in Calhoun County, spotlighting the leading market competitors, their pricing, and the intricate factors that dictate rates.

Key Market Players and Their Pricing Paradigm

While individual insurance rates pivot on personalized attributes, an overarching view of Calhoun County's primary insurers suggests the following indicative pricing:

State Farm: A consistent market leader, State Farm's annual premiums for Calhoun County usually fluctuate between $1,090 and $1,530.

Geico: Known for its agile marketing and customer service, Geico's rates for Calhoun County generally hover around $1,020 to $1,450 annually.

Allstate: A robust name in the sector, Allstate's yearly rates in Calhoun County can range from $1,200 to $1,640.

Progressive: With its forward-thinking approach, Progressive's rates in Calhoun County tend to span $1,180 to $1,600.

Farmers: Recognized for its extensive policy diversity, Farmers' rates in Calhoun County might oscillate between $1,150 and $1,610 annually.

Unraveling the Trio: Quotes, Rates & Agents

To gain clarity on Calhoun County’s insurance landscape, understanding the interplay of quotes, rates, and agents becomes critical:

Quotes: These preliminary estimations serve as benchmarks. For a holistic view, residents of Calhoun County should accumulate diverse quotes, embracing both online tools and face-to-face agent interactions.

Rates: Beyond mere numeric values, rates weave in myriad considerations—from individual driving habits to Calhoun County's overarching safety metrics.

Agents: These industry veterans humanize the insurance algorithm, curating bespoke solutions that align with individual needs and Calhoun County’s unique profile.

Influential Factors Sculpting Calhoun County's Insurance Rates

Diverse elements intertwine to shape the insurance premium landscape in Calhoun County:

Demographics: Factors such as age, gender, and marital status often play pivotal roles. Younger male drivers, typically, might face slightly elevated rates.

Driving Record: A history replete with traffic violations or accident involvements can nudge premiums upwards.

Vehicle Type: Luxury or high-performance vehicles often command steeper insurance costs compared to more conventional counterparts.

Credit Standing: A sterling credit record can significantly reduce your premium, with insurers often correlating fiscal discipline with cautious driving.

Local Crime Rates: Areas within Calhoun County experiencing high car theft or vandalism rates might witness a parallel rise in insurance premiums.

Claim Patterns: A surge in claims within Calhoun County, on a macro level, can incrementally push up rates for its residents.

Intrinsic County Dynamics: Factors inherent to Calhoun County, such as prevalent weather patterns or distinctive traffic scenarios, also mold premium structures.

For the denizens of Calhoun County, Alabama, understanding the nuanced tapestry of car insurance rates is paramount. Armed with this insight, they can not only adhere to the state's legal mandates but also secure a policy that offers a seamless blend of comprehensive coverage and fiscal judiciousness.

Factors that can influence the cost of car insurance in Calhoun 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.

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

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

Calhoun County Jacksonville White Plains Saks Alexandria Anniston
Average Insurance Rates $1,436 $1,470 $1,453 $1,422 $1,447 $1,370

Calhoun 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 Calhoun 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)
Calhoun County $1,466 $1,238
Weaver $1,808 $1,527
Alexandria $2,795 $2,361
Saks $1,539 $1,300
Alexandria-Webster Chapel $1,486 $1,255
Jacksonville $1,309 $1,106
Anniston $1,620 $1,369
White Plains $1,105 $934

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

Teenagers in Calhoun 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 $4,660
20 Years $1,845
30 Years $1,421
40 Years $1,367
50 Years $1,266
60 Years $1,284
70 Years $1,494

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

Car owners in Calhoun 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 $2,441 $431
3 Vehicles $3,662 $646
4 Vehicles $4,882 $862

Savings on 2 Vehicles bundle:$431

Savings on 3 Vehicles bundle:$646

Savings on 4 Vehicles bundle:$862

Calhoun 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 Calhoun County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Calhoun County $1,436 $2,546
Weaver $1,431 $2,537
Alexandria $1,447 $2,566
Saks $1,422 $2,521
Alexandria-Webster Chapel $1,443 $2,558
Jacksonville $1,470 $2,606
Anniston $1,370 $2,429
White Plains $1,453 $2,576

Calhoun 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) $1,232
Excellent (740-799) $1,406
Good (670-739) $1,496
Average (580-669) $1,952
Poor (300-579) $2,342

Calhoun 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
Dormon & Reynolds Insurance Inc Travelers 1227 LEIGHTON AVE, ANNISTON, 36207 256-237-1768
Tyler Elliott Allstate 305 W Grand Ave, Rainbow City, 35906 (256) 413-3833
Hans King Farmers 1317 Wilmer Ave Ste 104, Anniston, 36201 (256) 236-6565
Charlotte Alford State Farm 220 J Street, Anniston, 36207-6614 256-237-9408
Calhoun County Insurance Center Inc Travelers 1590 Pelham Rd S Ste 3, Jacksonville, 36265 (256) 435-2242
Rufus Holland Insurance Agency Inc Travelers 528 VALLEY CUB DR, ALEXANDRIA, 36250 256-820-9486
Insurance Facilities Inc Travelers 309 Broad St, Gadsden, 35901 None
Bo Murphy State Farm 3216 Morrow Rd, Birmingham, 35235-3109 205-661-6305

Calhoun 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 +$63 $1,499
Driver's Failure In Showing Documents +$139 $1,575
Driving With An Expired Registration +$148 $1,584
Driving At A Considerably Slow Pace +$312 $1,748
Using A Cellphone While Driving +$329 $1,765
Running A Red Light +$335 $1,771
Speeding +$352 $1,788
Driving A Vehicle Without The Required Permission +$447 $1,883
Driving With An Expired/Suspended License +$968 $2,404

Calhoun 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 $1,379
Active Disabling Device $1,379
Tracking Device $1,350
Passive Disabling Device $1,335