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