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