Camp Hill Auto Insurance Rates, Quotes, Agents & Reviews in AL

Camp Hill, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Camp Hill, 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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Demystifying Car Insurance Rates in Camp Hill, AL

Camp Hill, a serene town in Alabama, is a blend of historical beauty and modern development. As the town progresses and its roads fill with vehicles, understanding the dynamics of car insurance becomes ever more crucial. This article aims to shed light on the car insurance landscape in Camp Hill, spotlighting top market players, their pricing structures, and the various factors that determine these rates.

Premier Insurers and Their Pricing Spectrum

While individual rates are influenced by a myriad of personalized factors, a macroscopic glance at Camp Hill's primary insurers suggests the following pricing ballpark:

State Farm: A titan in the insurance world, annual premiums from State Farm in Camp Hill generally vary between $1,080 and $1,530.

Geico: Famous for its catchy advertisements and customer service, Geico's rates in Camp Hill usually range from $1,000 to $1,435 annually.

Allstate: Boasting a comprehensive suite of services, Allstate's yearly rates in Camp Hill oscillate between $1,185 and $1,625.

Progressive: Famed for its adaptable policies, Progressive's rates in Camp Hill generally fall between $1,165 and $1,585.

Farmers: With its diverse policy offerings, Farmers’ annual rates in Camp Hill span from $1,135 to $1,595.

Deciphering the Triad: Quotes, Rates & Agents

To make sense of Camp Hill’s insurance environment, it's essential to delve into three foundational components:

Quotes: These are preliminary estimations that give consumers a taste of potential costs. It’s paramount for Camp Hill's citizens to solicit a range of quotes, spanning both online algorithms and traditional agent interactions.

Rates: Rates represent a more nuanced equation, folding in individual attributes with data intrinsic to Camp Hill.

Agents: As the human touchpoint in the insurance ecosystem, agents channel their expertise to craft tailored solutions that resonate with the unique needs of Camp Hill residents.

Pivotal Factors Modulating Camp Hill's Insurance Rates

Car insurance rates in Camp Hill are sculpted by an interplay of multiple factors:

Demographics: Elements such as age, gender, and marital status often take center stage. Typically, younger male drivers might face slightly steeper premiums.

Driving Legacy: A driver's past, speckled with traffic violations or accidents, can push premiums northward.

Vehicle Nuances: Premium vehicles or those with a higher propensity for theft can command elevated insurance rates.

Credit Landscape: A robust credit history can translate into discounts on premiums, with insurers often seeing fiscal discipline as a proxy for cautious driving.

Local Crime Metrics: Areas within Camp Hill with higher rates of car-related crimes might experience proportionate hikes in insurance rates.

Claim Patterns: A collective spike in claims within Camp Hill can lead to an incremental push in premiums.

Unique Camp Hill Elements: Factors such as local weather patterns, traffic density, and even the frequency of wildlife crossings can influence rates.

For the denizens of Camp Hill, Alabama, it's imperative to grasp the multifaceted web of car insurance rates. Armed with the knowledge from this article, they can embark on a journey to secure a policy that marries comprehensive coverage with fiscal responsibility, ensuring peace of mind on the roads of Camp Hill.

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

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

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

Camp Hill Tallapoosa County Loachapoka-Roxana Dadeville Waverly Loachapoka
Average Insurance Rates $1,376 $1,432 $1,521 $1,485 $1,380 $1,471

Camp Hill, 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 Camp Hill, 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)
Camp Hill $2,037 $1,721
Waverly $1,281 $1,082
Dadeville $1,104 $933
Loachapoka-Roxana $955 $806
Tallapoosa County $1,944 $1,642
Loachapoka $1,429 $1,207
Jacksons' Gap $1,434 $1,211
La Fayette $1,604 $1,355

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

Teenagers in Camp Hill, 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 $4,465
20 Years $1,768
30 Years $1,362
40 Years $1,310
50 Years $1,213
60 Years $1,230
70 Years $1,432

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

Car owners in Camp Hill, 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 $2,367 $385
3 Vehicles $3,550 $578
4 Vehicles $4,733 $771

Savings on 2 Vehicles bundle:$385

Savings on 3 Vehicles bundle:$578

Savings on 4 Vehicles bundle:$771

Camp Hill, 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 Camp Hill, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Camp Hill $1,376 $2,440
Waverly $1,380 $2,447
Dadeville $1,485 $2,633
Loachapoka-Roxana $1,521 $2,697
Tallapoosa County $1,432 $2,539
Loachapoka $1,471 $2,608
Jacksons' Gap $1,408 $2,496
La Fayette $1,393 $2,470

Camp Hill, 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) $1,181
Excellent (740-799) $1,348
Good (670-739) $1,434
Average (580-669) $1,871
Poor (300-579) $2,244

Camp Hill, 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
Joe Stokes State Farm 818 E Glenn Ave, Auburn, 36830-5708 334-821-3793
Dee C Madison Allstate 1444 Opelika Rd, Auburn, 36830 (334) 301-2601
Prewett Insurance Group Allstate 2210 Gateway Dr Ste B, Opelika, 36801 (334) 528-0303
Donnie Rabren Allstate 721 E Glenn Ave, Auburn, 36830 (334) 821-7570
Bobby Ryals State Farm 790 S Tallassee St, Dadeville, 36853-1822 256-825-9940
Daughtry Ins Agency Inc Nationwide 105 N 10th St STE A, Opelika, 36801-4300 (334) 741-9979
Erica Love Lutcf Farmers 36 Samford Ave Ste C, Opelika, 36801 (334) 704-4037
Albia Steers State Farm 1010 N Broadway Ave, Sylacauga, 35150-2162 256-245-6061
Chattawood Insurance Co., Inc. None 2138 Moores Mill Rd. Ste B , Auburn, 36830 None
Sheila Curtis State Farm 420 W Fort Williams St, Sylacauga, 35150-2436 256-249-8188

Camp Hill, 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 $1,437
Driver's Failure In Showing Documents +$133 $1,509
Driving With An Expired Registration +$142 $1,518
Driving At A Considerably Slow Pace +$299 $1,675
Using A Cellphone While Driving +$315 $1,691
Running A Red Light +$321 $1,697
Speeding +$337 $1,713
Driving A Vehicle Without The Required Permission +$428 $1,804
Driving With An Expired/Suspended License +$927 $2,303

Camp Hill, 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 $1,321
Active Disabling Device $1,321
Tracking Device $1,293
Passive Disabling Device $1,280