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.
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 Rates
- Carbon Hill, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Carbon Hill, AL
- Multi Vehicle Insurance Savings in Carbon Hill, AL
- How Credit Score Affects Car Insurance Rates in Carbon Hill, AL
- How DUI Affects Auto Insurance Premiums in Carbon Hill, AL
- Top Auto Insurance Agents Near Carbon Hill, AL
- How Driving Violations Affect Auto Insurance Rates in Carbon Hill, AL
- Carbon Hill, AL Auto Insurance Discounts on Anti Theft Feature
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 |