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

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

Zimlon, through its research, found that car owners in Carbon 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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An In-depth Analysis of Car Insurance Rates in Carbon Hill, AL

Situated in the heart of Alabama, Carbon Hill is a town steeped in history, offering both a nod to its past and a glimpse into the future. As more vehicles grace its roads, the inhabitants of Carbon Hill need to arm themselves with a profound understanding of car insurance rates and the nuances that influence them. This article unravels the intricacies of the car insurance ecosystem in Carbon Hill, presenting a comprehensive look into top competitors, their pricing brackets, and the multifaceted dynamics at play.

Top Insurance Providers and Their Rate Structures

Although individual insurance rates are subject to personal characteristics, a general overview of Carbon Hill’s predominant insurance providers offers the following price spectrum:

State Farm: As one of the most recognizable names in the insurance sector, State Farm's annual rates in Carbon Hill oscillate between $1,090 and $1,540.

Geico: Offering a combination of affordability and comprehensive coverage, Geico's rates for Carbon Hill residents range from $995 to $1,430 per year.

Allstate: Known for its vast network and coverage options, Allstate’s premiums in Carbon Hill typically span from $1,180 to $1,620 yearly.

Progressive: Progressive, with its wide array of discounts, usually has rates ranging from $1,160 to $1,580 in Carbon Hill.

Farmers: An institution in the insurance realm, Farmers' yearly rates in Carbon Hill fluctuate between $1,130 and $1,610.

Dissecting the Trio: Quotes, Rates & Agents

For a holistic grasp of Carbon Hill’s insurance tapestry, it's pivotal to appreciate three integral pillars:

Quotes: These preliminary figures provide consumers with an initial cost framework. By gathering diverse quotes—be it online or via agent consultations—Carbon Hill residents can ensure they’re poised for an informed decision.

Rates: A more intricate metric, rates amalgamate individual criteria with Carbon Hill-centric data points, presenting a comprehensive premium picture.

Agents: Acting as gatekeepers of knowledge, local agents deploy their insights to align Carbon Hill residents with tailor-made insurance solutions, optimizing both coverage and cost.

Factors Molding Carbon Hill's Insurance Rates

A myriad of variables converge to shape the insurance rate landscape in Carbon Hill:

Demographics: Age, gender, and marital status remain influential markers. Notably, younger male drivers might experience marginally elevated rates.

Driving Chronicles: Past driving behaviors, especially any infractions or collisions, invariably impact premium costs.

Vehicle Details: High-end or theft-prone vehicles often come with steeper insurance price tags.

Financial Profile: A stellar credit history can be a boon, potentially slashing insurance premiums.

Local Crime Narratives: If Carbon Hill pockets witness spikes in auto-thefts or related crimes, insurance rates might echo this uptick.

Claim Trajectories: A surge in local claims can, over time, nudge the broader premium landscape upwards.

Distinct Carbon Hill Elements: Factors intrinsic to Carbon Hill—such as prevalent weather anomalies or unique traffic patterns—also exert influence over insurance rates.

For Carbon Hill residents, it's imperative to demystify the labyrinth of car insurance rates, ensuring that they’re poised to secure policies that strike the optimal balance between robust coverage and financial pragmatism. By leveraging insights from this analysis, they can navigate the insurance waters with confidence and clarity.

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

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

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

Carbon Hill Eldridge Glen Allen Nauvoo Lynn Kansas
Average Insurance Rates $1,377 $1,364 $1,388 $1,398 $1,386 $1,373

Carbon 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 Carbon 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)
Carbon Hill $1,348 $1,139
Kansas $1,279 $1,081
Eldridge $1,418 $1,198
Nauvoo $1,902 $1,607
Northeast Fayette $2,102 $1,776
Lynn $1,669 $1,409
Glen Allen $1,059 $894
Townley $1,581 $1,335

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

Teenagers in Carbon 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 $4,468
20 Years $1,769
30 Years $1,363
40 Years $1,311
50 Years $1,214
60 Years $1,231
70 Years $1,433

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

Car owners in Carbon 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 $2,396 $358
3 Vehicles $3,594 $537
4 Vehicles $4,792 $716

Savings on 2 Vehicles bundle:$358

Savings on 3 Vehicles bundle:$537

Savings on 4 Vehicles bundle:$716

Carbon 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 Carbon Hill, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Carbon Hill $1,377 $2,441
Kansas $1,373 $2,434
Eldridge $1,364 $2,418
Nauvoo $1,398 $2,479
Northeast Fayette $1,396 $2,475
Lynn $1,386 $2,457
Glen Allen $1,388 $2,461
Townley $1,405 $2,491

Carbon 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) $1,349
Good (670-739) $1,435
Average (580-669) $1,872
Poor (300-579) $2,246

Carbon 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
Kevin Bradford State Farm 163 Ashwood Dr, Winfield, 35594-5436 205-487-3232
Lacy Grice Insurance Agency Liberty Mutual Independent 1917 3Rd Avenue, Jasper, 35501 (205) 282-4637
Shoreline Aviation Insurance None 148 Biddle Drive , Jasper, 35503 None
Roger Wilson State Farm 1812a 4th Ave S, Jasper, 35501 205-384-9497
Webb Insurance Services, Inc. None 2250 Us Hwy 43 Ste 108 , Winfield, 35594 None
William Knowlton Agency Inc Travelers 905 STATE HWY 253, WINFIELD, 35594 205-487-8845
Wood-Thompson Insurance Service Llc Travelers 130 NORTH JACKSON AVE, RUSSELLVILLE, 35653 256-332-1381
Henry Morgan Allstate 24980 Highway 195, Double Springs, 35553 (205) 489-1438
The Burch Agency None 22975 Al Hwy 24 Suite B 22975 Al Hwy 24 Suite B , Moulton, 35650 None

Carbon 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 $1,438
Driver's Failure In Showing Documents +$134 $1,511
Driving With An Expired Registration +$142 $1,519
Driving At A Considerably Slow Pace +$299 $1,676
Using A Cellphone While Driving +$315 $1,692
Running A Red Light +$321 $1,698
Speeding +$337 $1,714
Driving A Vehicle Without The Required Permission +$428 $1,805
Driving With An Expired/Suspended License +$928 $2,305

Carbon 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 $1,322
Active Disabling Device $1,322
Tracking Device $1,294
Passive Disabling Device $1,281