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

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

Zimlon, through its research, found that car owners in Castleberry, 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.

Compare Quotes from Top Providers and Save now!

A Closer Look at Car Insurance Rates in Castleberry, AL

In the heart of Alabama, Castleberry is a town characterized by its close-knit community, serene environment, and scenic beauty. As vehicle ownership continues to grow in the town, understanding car insurance rates becomes imperative for residents. This article dives into the nuances of car insurance in Castleberry, spotlighting leading market players, their pricing dynamics, and the factors that shape these rates.

Top Players and Their Pricing Spectrum

While personal attributes can influence individual premiums, a broad view of Castleberry’s leading insurance providers paints the following rate picture:

State Farm: A household name in insurance, State Farm's annual premiums in Castleberry range between $1,115 and $1,575.

Geico: Combining affordability with broad coverage, Geico's rates for Castleberry residents are typically between $1,025 to $1,455 annually.

Allstate: Boasting a comprehensive coverage palette, Allstate's yearly premiums in Castleberry span from $1,205 to $1,645.

Progressive: Renowned for its tailored policy options, Progressive’s rates usually vary between $1,180 and $1,615 in Castleberry.

Farmers: An established figure in the insurance domain, Farmers' rates in Castleberry oscillate between $1,150 and $1,630 per annum.

Dissecting the Pillars: Quotes, Rates & Agents

Understanding Castleberry's insurance landscape necessitates a focus on three pivotal elements:

Quotes: These initial figures offer residents a glimpse into potential insurance costs. It's advantageous for Castleberry inhabitants to gather multiple quotes, both online and through local agents.

Rates: More refined than quotes, rates combine individual variables with Castleberry-specific data, resulting in a rounded price estimate.

Agents: These local experts, armed with a profound understanding of Castleberry's dynamics, can guide residents to insurance solutions that align with their needs and financial capacities.

Variables Shaping Castleberry's Insurance Rates

Several factors coalesce to determine the insurance rates in Castleberry:

Demographics: Age, gender, and marital status can sway rates. Typically, younger male drivers might see marginally higher rates.

Driving Record: Past driving behaviors, particularly violations or accidents, can heavily influence premiums.

Vehicle Details: The type, age, and safety features of a vehicle can play a role in determining its insurance cost.

Credit Profile: A strong credit history can lead to potential insurance discounts, as many providers equate fiscal responsibility with safe driving.

Local Crime Rates: Areas in Castleberry with elevated vehicle-related crimes might witness corresponding hikes in insurance rates.

Claim Frequencies: A surge in local insurance claims can potentially push premiums higher.

Castleberry-specific Factors: Local attributes, such as recurrent weather conditions, traffic density, or unique infrastructure projects, can also impact insurance premiums.

For the residents of Castleberry, comprehending the intricate tapestry of car insurance rates is crucial. It allows them to strike a balance between effective coverage and budgetary considerations. By harnessing the insights outlined in this article, they can journey through Castleberry's roads with a renewed sense of security and confidence.

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

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

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

Castleberry Lyeffion Evergreen East Brewton Repton Escambia County
Average Insurance Rates $1,381 $1,402 $1,412 $1,406 $1,383 $1,418

Castleberry, 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 Castleberry, 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)
Castleberry $1,557 $1,315
Conecuh County $1,427 $1,205
Evergreen $1,683 $1,422
Repton $1,885 $1,592
Brewton $1,385 $1,170
Escambia County $1,309 $1,106
Lyeffion $1,225 $1,034
East Brewton $1,350 $1,141

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

Teenagers in Castleberry, 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 $4,481
20 Years $1,774
30 Years $1,367
40 Years $1,315
50 Years $1,218
60 Years $1,235
70 Years $1,437

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

Car owners in Castleberry, 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 $2,348 $414
3 Vehicles $3,522 $621
4 Vehicles $4,695 $829

Savings on 2 Vehicles bundle:$414

Savings on 3 Vehicles bundle:$621

Savings on 4 Vehicles bundle:$829

Castleberry, 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 Castleberry, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Castleberry $1,381 $2,449
Conecuh County $1,398 $2,479
Evergreen $1,412 $2,504
Repton $1,383 $2,452
Brewton $1,432 $2,539
Escambia County $1,418 $2,514
Lyeffion $1,402 $2,486
East Brewton $1,406 $2,493

Castleberry, 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) $1,185
Excellent (740-799) $1,353
Good (670-739) $1,439
Average (580-669) $1,877
Poor (300-579) $2,253

Castleberry, 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
Horton Insurance Travelers PO BOX 2190, EAST BREWTON, 36427 251-867-5565
Thi Insurance Inc Travelers 1251 SOUTH BLVD, BREWTON, 36426 251-867-8085
Thi Insurance, Inc. None P.O. Box 1225, Brewton, 36427 None
Bancorpsouth Ins Services Inc Travelers 1012 DOUGLAS AVE, BREWTON, 36426 251-368-2106
Horton & Assoc Llc Allstate 122 Rural St, Evergreen, 36401 (251) 578-1051
Atmore Ins Svcs None P O Box 647, Atmore, 36504 None

Castleberry, 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 $1,442
Driver's Failure In Showing Documents +$134 $1,515
Driving With An Expired Registration +$142 $1,523
Driving At A Considerably Slow Pace +$300 $1,681
Using A Cellphone While Driving +$316 $1,697
Running A Red Light +$322 $1,703
Speeding +$338 $1,719
Driving A Vehicle Without The Required Permission +$429 $1,810
Driving With An Expired/Suspended License +$931 $2,312

Castleberry, 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 $1,326
Active Disabling Device $1,326
Tracking Device $1,298
Passive Disabling Device $1,284