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

Carrollton, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Carrollton, 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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Decoding Car Insurance Rates in Carrollton, AL

Nestled within the state of Alabama, Carrollton, with its rich heritage and evolving urban sprawl, is a tapestry of the old and new. With its ever-expanding road network, understanding the matrix of car insurance is vital for its residents. This article seeks to decode the realm of car insurance in Carrollton, spotlighting major market competitors, their rate structures, and the numerous elements that craft these rates

Market Leaders and Their Pricing Dynamics

While personalized factors can sway individual rates, an overarching view of Carrollton's prime insurance contenders reveals the following rate window:

State Farm: A stalwart in the insurance arena, State Farm's annual premiums in Carrollton range from $1,100 to $1,560.

Geico: Known for its blend of affordability and expansive coverage, Geico's yearly rates for Carrollton hover between $1,010 to $1,445.

Allstate: With its vast coverage landscape, Allstate's rates in Carrollton usually span from $1,195 to $1,635 annually.

Progressive: Recognized for its diverse policy options, Progressive's rates in Carrollton typically vary between $1,170 and $1,600.

Farmers: A trusted name in insurance, Farmers' annual premiums in Carrollton oscillate between $1,140 and $1,620.

Cracking the Code: Quotes, Rates & Agents

Unraveling Carrollton’s insurance milieu requires an understanding of three core constituents:

Quotes: Preliminary figures, quotes offer a snapshot of potential costs. Carrollton residents are advised to aggregate a myriad of quotes—both digitally and via face-to-face agent consultations.

Rates: Rates embody a nuanced blend of individual details married with Carrollton-specific data, offering a comprehensive price perspective.

Agents: Bridging the information gap, agents in Carrollton provide their rich expertise, aligning residents with bespoke insurance solutions that resonate with both protection needs and budgetary constraints.

Factors Sculpting Carrollton's Insurance Rates

The insurance rates in Carrollton are an amalgam of various components:

Demographics: Attributes such as age, gender, and marital status play a part. Generally, younger male drivers might incur slightly higher rates.

Driving History: A driver's track record, especially marred by violations or accidents, can escalate premiums.

Vehicle Specifics: Premium or high-risk-theft vehicles typically come with a heftier insurance price tag.

Credit Landscape: A robust credit history can be a catalyst for premium discounts, with insurers often paralleling fiscal discipline with responsible driving.

Local Crime Metrics: Neighborhoods in Carrollton with heightened vehicle-related crime rates might see corresponding insurance rate spikes.

Claim Patterns: A community-wide increase in claims can catalyze an incremental rise in area premiums.

Carrollton's Unique Features: Localized elements—such as weather conditions, traffic congestion, and even wildlife movement—can also shape insurance rates.

For the denizens of Carrollton, Alabama, diving deep into the car insurance sphere ensures a blend of optimum coverage and fiscal efficiency. With the insights presented in this article, they can deftly navigate the intricacies of insurance, securing peace of mind as they traverse the streets of Carrollton.

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

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

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

Carrollton Ethelsville McMullen Macedonia Memphis Pickensville
Average Insurance Rates $1,380 $1,408 $1,953 $2,048 $1,418 $1,394

Carrollton, 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 Carrollton, 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)
Carrollton $1,902 $1,607
Pickens County $1,744 $1,473
Pickensville $1,169 $987
McMullen $2,012 $1,699
Macedonia $2,109 $1,782
Aliceville $1,950 $1,647
Ethelsville $1,433 $1,210
Memphis $1,055 $891

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

Teenagers in Carrollton, 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 $4,478
20 Years $1,773
30 Years $1,366
40 Years $1,314
50 Years $1,217
60 Years $1,234
70 Years $1,436

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

Car owners in Carrollton, 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 $2,346 $414
3 Vehicles $3,519 $621
4 Vehicles $4,692 $828

Savings on 2 Vehicles bundle:$414

Savings on 3 Vehicles bundle:$621

Savings on 4 Vehicles bundle:$828

Carrollton, 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 Carrollton, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Carrollton $1,380 $2,447
Pickens County $1,416 $2,511
Pickensville $1,394 $2,472
McMullen $1,953 $3,463
Macedonia $2,048 $3,631
Aliceville $1,437 $2,548
Ethelsville $1,408 $2,496
Memphis $1,418 $2,514

Carrollton, 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) $1,184
Excellent (740-799) $1,352
Good (670-739) $1,438
Average (580-669) $1,876
Poor (300-579) $2,251

Carrollton, 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
Myles Adair State Farm 205 1st St S, Reform, 35481-8017 205-375-6244
Kevin Bradford State Farm 163 Ashwood Dr, Winfield, 35594-5436 205-487-3232
Buddy Martin Allstate 5690 Highway 43 N Ste C, Northport, 35473 (205) 210-3434
James Anthony Allstate 730 Energy Ctr Blvd Ste 1402, Northport, 35473 (205) 333-0070
Stokes Agency Inc Travelers 315 1ST ST S, REFORM, 35481 205-375-6227
Terra Dillard Farmers 2710b Skyland Blvd E, Tuscaloosa, 35405 (205) 556-5175
The Turner Agency Dba Lamar Insurance None 555293 Hwy 17 Sulligent, Vernon, 35586 None
Webb Ins Services Inc Travelers 2250 HWY 43 STE 108, WINFIELD, 35594 205-487-5255
Alabama Ins Agency Inc Travelers 168 COUNTRY HWY 28, WINFIELD, 35594 205-487-3001

Carrollton, 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 $1,441
Driver's Failure In Showing Documents +$134 $1,514
Driving With An Expired Registration +$142 $1,522
Driving At A Considerably Slow Pace +$299 $1,679
Using A Cellphone While Driving +$316 $1,696
Running A Red Light +$322 $1,702
Speeding +$338 $1,718
Driving A Vehicle Without The Required Permission +$429 $1,809
Driving With An Expired/Suspended License +$930 $2,310

Carrollton, 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 $1,325
Active Disabling Device $1,325
Tracking Device $1,297
Passive Disabling Device $1,283