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