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

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.

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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 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