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

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

Zimlon, through its research, found that car owners in Centre, 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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Making Sense of Car Insurance Rates in Centre, AL

Centre, Alabama, with its scenic beauty and burgeoning population, finds itself in the nexus of modernity and tradition. As more vehicles grace its roads, comprehending the landscape of car insurance becomes crucial for its denizens. This article demystifies car insurance rates in Centre, spotlighting top competitors, their pricing mechanisms, and factors that sculpt the city's insurance premiums.

The Big Players and Their Rate Dynamics

Though individual policies may vary based on personal circumstances, a panoramic view of Centre's primary insurance providers reveals:

State Farm: A stalwart in the insurance world, State Farm's yearly premiums for Centre hover between $1,120 to $1,580.

Geico: Offering a blend of affordability and coverage, Geico's annual rates in Centre range from $1,065 to $1,505.

Allstate: With a vast spectrum of policy options, Allstate's rates for Centre usually sit between $1,230 and $1,670.

Progressive: Lauded for its adaptable policies, Progressive's premiums in Centre oscillate from $1,180 to $1,620.

Farmers: A trusted entity in the sector, Farmers pegs its Centre rates between $1,150 and $1,630.

Dissecting Quotes, Rates & Agents: A Three-pronged Analysis

To fathom Centre's insurance climate, it's essential to discern three foundational pillars:

Quotes: Preliminary in nature, these figures offer Centre residents a ballpark of potential insurance costs. It's beneficial to gather varied quotes to ensure competitive pricing.

Rates: A marriage of individual parameters with Centre-centric nuances, these values present a holistic insurance price perspective.

Agents: Centre's local agents, equipped with unparalleled insights, guide residents towards tailormade policies that resonate with individual preferences and budgetary constraints.

Factors Steering Centre's Car Insurance Rates

A blend of multifaceted parameters shapes Centre's insurance premiums:

Demographics: Variables like age, gender, and marital status play pivotal roles. For instance, rates might be heftier for young male drivers, often perceived as high-risk.

Driving History: A past marred with violations or accidents can spike up insurance costs.

Car Specifics: High-end models or those susceptible to theft frequently attract loftier premiums.

Credit Profile: A healthy credit score might pave the way for potential discounts, courtesy of the observed link between financial prudence and responsible driving.

Local Crime Metrics: Regions in Centre with elevated auto-theft or break-in instances might face higher insurance rates.

Claim Patterns: An uptick in city-wide insurance claims can lead to a broad-based rate hike.

Intrinsic City Elements: Distinctive aspects like Centre's traffic flow, prevalent weather conditions, and road infrastructure quality further influence rates.

While the web of car insurance in Centre might seem intricate at first glance, an informed approach, buttressed by the insights presented above, can empower residents. With the right knowledge, they can ensure their drives across Centre are enveloped with comprehensive coverage and fiscal wisdom.

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

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

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

Centre Leesburg Hokes Bluff Piedmont Spring Garden Ballplay
Average Insurance Rates $1,451 $1,474 $1,447 $1,403 $1,444 $1,390

Centre, 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 Centre, 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)
Centre $1,652 $1,395
Cherokee County $1,465 $1,237
Spring Garden $1,760 $1,487
Ballplay $1,893 $1,599
Hokes Bluff $1,214 $1,026
Piedmont $1,518 $1,282
Leesburg $1,511 $1,276
Cedar Bluff $2,156 $1,821

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

Teenagers in Centre, 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 $4,708
20 Years $1,864
30 Years $1,436
40 Years $1,382
50 Years $1,279
60 Years $1,297
70 Years $1,510

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

Car owners in Centre, 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 $2,467 $435
3 Vehicles $3,700 $653
4 Vehicles $4,933 $871

Savings on 2 Vehicles bundle:$435

Savings on 3 Vehicles bundle:$653

Savings on 4 Vehicles bundle:$871

Centre, 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 Centre, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Centre $1,451 $2,573
Cherokee County $1,443 $2,558
Spring Garden $1,444 $2,560
Ballplay $1,390 $2,464
Hokes Bluff $1,447 $2,566
Piedmont $1,403 $2,488
Leesburg $1,474 $2,613
Cedar Bluff $1,413 $2,505

Centre, 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) $1,245
Excellent (740-799) $1,421
Good (670-739) $1,512
Average (580-669) $1,973
Poor (300-579) $2,367

Centre, 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
Cody Coffey Allstate 1553 Chesnut Byp, Centre, 35960 (256) 927-6282
Johnson Insurance Agency Travelers 819-C W MAIN ST, CENTRE, 35960 256-927-5440
Pca Insurance Allstate 1470 W Main St Ste H, Centre, 35960 (256) 927-2012
Woodall & Hoggle Insurance Agency None 1600 Blount Ave, Guntersville, 35976 None
Connie Myers State Farm 2109 7th Ave N Ste 1, Pell City, 35125-1327 205-338-9474
Beth Baker State Farm 300 W Main St, Centre, 35960-1328 256-927-5878
Andrew Anderton Allstate 303 2nd Ave E, Oneonta, 35121 (205) 274-8888
Randy Jones & Associates Inc Nationwide 8600 US Highway 431 N, Albertville, 35950-0153 (256) 878-3271
Mb Financial Services Inc Travelers 800 MARTIN ST S, PELL CITY, 35128 205-884-2265

Centre, 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 +$64 $1,515
Driver's Failure In Showing Documents +$141 $1,592
Driving With An Expired Registration +$149 $1,600
Driving At A Considerably Slow Pace +$315 $1,766
Using A Cellphone While Driving +$332 $1,783
Running A Red Light +$338 $1,789
Speeding +$355 $1,806
Driving A Vehicle Without The Required Permission +$451 $1,902
Driving With An Expired/Suspended License +$978 $2,429

Centre, 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 $1,393
Active Disabling Device $1,393
Tracking Device $1,364
Passive Disabling Device $1,349