Camden, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Camden, 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.
The Ins and Outs of Car Insurance Rates in Camden, AL
Camden, a picturesque city located in the southern part of Alabama, has long been celebrated for its rich history, southern charm, and vibrant community spirit. As the residents of Camden navigate its roadways, understanding the intricacies of car insurance becomes crucial. This article delves deep into the car insurance scenario in Camden, spotlighting top competitors, their pricing schemes, and the multifaceted factors that mold the insurance rates.
Leading Insurers and Their Pricing Overview
Even though personal attributes largely define individual insurance rates, a panoramic view of Camden's primary insurance providers suggests the following ballpark pricing:
State Farm: A hallmark in the insurance domain, State Farm's annual premiums in Camden typically range between $1,070 and $1,520.
Geico: Priding itself on efficiency, Geico's rates in Camden usually hover around $1,010 to $1,440 annually.
Allstate: A stalwart in the insurance landscape, Allstate's rates in Camden might oscillate from $1,190 to $1,630 yearly.
Progressive: Recognized for its innovative offerings, Progressive's indicative rates in Camden lie between $1,170 and $1,590.
Farmers: With its intricate policy portfolio, Farmers’ rates in Camden generally fall between $1,140 and $1,600 annually.
Decoding the Triptych: Quotes, Rates & Agents
A granular comprehension of Camden’s insurance terrain requires a keen understanding of three pivotal pillars:
Quotes: These initial price projections guide residents towards informed insurance choices. For a panoramic perspective, it’s instrumental for Camden denizens to amass diverse quotes, leveraging both digital platforms and local agent consultations.
Rates: More intricate than mere digits, rates integrate a gamut of factors—ranging from personal driving profiles to broader Camden-specific data points.
Agents: These seasoned experts simplify the sometimes convoluted realm of insurance, guiding Camden's residents towards the perfect policy blend that caters to their needs.
Key Factors Sculpting Camden's Insurance Rates
A plethora of factors converge to define the insurance rate landscape in Camden:
Demographics: Parameters such as age, gender, and marital status bear considerable weight. Typically, younger male drivers may encounter slightly higher rates.
Driving History: A past peppered with traffic infractions or accident involvements can hike up the premium.
Vehicle Specs: Premium cars or performance-oriented models usually demand heftier insurance rates than their more modest counterparts.
Credit Profile: An impeccable credit score can be a premium reducer, with insurers frequently linking fiscal discipline to prudent driving behaviors.
Local Crime Trends: Regions within Camden grappling with elevated car theft or vandalism might see a correlating rise in insurance rates.
Claim Frequencies: An uptick in claims within Camden, viewed collectively, can result in a general rise in rates.
Endemic Camden Factors: Aspects intrinsic to Camden, such as characteristic weather patterns or distinct traffic dynamics, also influence insurance rates.
For the folks of Camden, Alabama, grasping the multi-layered matrix of car insurance rates becomes a strategic imperative. With the insights from this article, residents can confidently stride forward, procuring an insurance policy that seamlessly aligns extensive coverage with fiscal sensibility.
Factors that can influence the cost of car insurance in Camden, 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.
- Camden, AL Auto Insurance Rates
- Camden, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Camden, AL
- Multi Vehicle Insurance Savings in Camden, AL
- How Credit Score Affects Car Insurance Rates in Camden, AL
- How DUI Affects Auto Insurance Premiums in Camden, AL
- Top Auto Insurance Agents Near Camden, AL
- How Driving Violations Affect Auto Insurance Rates in Camden, AL
- Camden, AL Auto Insurance Discounts on Anti Theft Feature
Camden, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Camden, AL with that of other cities in and around Camden.
| Camden | Alberta | Catherine | Boykin | Coy-Fatama | Wilcox County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,424 | $1,370 | $2,052 | $1,387 | $1,376 | $1,404 |
Camden, 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 Camden, 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) |
|---|---|---|
| Camden | $1,367 | $1,154 |
| Wilcox County | $1,580 | $1,335 |
| Boykin | $1,357 | $1,146 |
| Coy-Fatama | $1,512 | $1,277 |
| Alberta | $1,342 | $1,134 |
| Yellow Bluff | $2,200 | $1,858 |
| Oak Hill | $2,012 | $1,699 |
| Catherine | $2,114 | $1,785 |
Camden, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Camden, 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 | $4,621 |
| 20 Years | $1,830 |
| 30 Years | $1,409 |
| 40 Years | $1,356 |
| 50 Years | $1,256 |
| 60 Years | $1,273 |
| 70 Years | $1,482 |
Camden, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Camden, 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 | $2,421 | $427 |
| 3 Vehicles | $3,631 | $641 |
| 4 Vehicles | $4,842 | $854 |
Savings on 2 Vehicles bundle:$427
Savings on 3 Vehicles bundle:$641
Savings on 4 Vehicles bundle:$854
Camden, 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 Camden, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Camden | $1,424 | $2,525 |
| Wilcox County | $1,404 | $2,489 |
| Boykin | $1,387 | $2,459 |
| Coy-Fatama | $1,376 | $2,440 |
| Alberta | $1,370 | $2,429 |
| Yellow Bluff | $1,405 | $2,491 |
| Oak Hill | $1,953 | $3,463 |
| Catherine | $2,052 | $3,638 |
Camden, 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) | $1,222 |
| Excellent (740-799) | $1,395 |
| Good (670-739) | $1,484 |
| Average (580-669) | $1,936 |
| Poor (300-579) | $2,323 |
Camden, 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 |
|---|---|---|---|
| Marengo Insurance Agency | Travelers | 107 W WASHINGTON ST, DEMOPOLIS, 36732 | 334-289-0828 |
| Bob Myers | State Farm | 1009 Highland Ave, Selma, 36701-4960 | 334-875-1080 |
| Holman Insurance Agency, Inc. | None | 106 Court St, Camden, 36726 | None |
| Skipper Insurance Agencies | Travelers | 1534 COLLEGE AVE, JACKSON, 36545 | 251-246-2487 |
| Colquett Insurance Agency | Travelers | 19 N Mt Pleasant Ave, Monroeville, 36460 | None |
| Blackbelt Insurors | Liberty Mutual Independent | 1205 Washington St, Marion, 36756 | (334) 683-9411 |
| Tate-Heinz Ellis & Sexton Inc | Travelers | 403 BROAD ST, SELMA, 36701 | 334-875-7261 |
Camden, 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 | $1,487 |
| Driver's Failure In Showing Documents | +$138 | $1,562 |
| Driving With An Expired Registration | +$147 | $1,571 |
| Driving At A Considerably Slow Pace | +$309 | $1,733 |
| Using A Cellphone While Driving | +$326 | $1,750 |
| Running A Red Light | +$332 | $1,756 |
| Speeding | +$349 | $1,773 |
| Driving A Vehicle Without The Required Permission | +$443 | $1,867 |
| Driving With An Expired/Suspended License | +$960 | $2,384 |
Camden, 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 | $1,367 |
| Active Disabling Device | $1,367 |
| Tracking Device | $1,339 |
| Passive Disabling Device | $1,324 |