Centreville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Centreville, 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.
Car Insurance Rates in Centreville, AL: What to Expect
Centreville, Alabama, like many other cities in the state, requires car owners to maintain minimum levels of auto insurance. However, the cost of auto insurance can vary significantly based on numerous factors. Here's an overview of what to expect concerning car insurance rates in Centreville, along with an analysis of quotes, rates, and agents.
Top Competitors and Their Rates
While I don't have real-time rates specific to Centreville, Alabama as of 2023, the following major insurers typically offer competitive rates across the state:
State Farm: Known for its comprehensive coverage and discounts for safe drivers and multi-policy holders.
Allstate: Offers a variety of customizable policies and rewards for accident-free drivers.
GEICO: Popular for its affordable premiums and various discount opportunities.
Progressive: Provides a Name Your Price tool that lets customers set a budget for their insurance.
Analysis On Quotes, Rates & Agents
Quotes: It's essential to obtain multiple quotes when shopping for car insurance. Premiums can vary significantly between providers even for identical coverage. Using online tools or speaking directly with agents can provide a clearer picture of potential costs.
Rates: Rates in Centreville, AL, can be influenced by a variety of factors. Generally, Alabama enjoys relatively affordable car insurance rates compared to national averages, but individual city rates can fluctuate based on local factors.
Agents: Working with a local agent can provide numerous benefits. They can often tailor coverage to fit specific needs, answer questions about policies, and offer personalized service. Local agents also have insights into factors that specifically affect rates in Centreville.
Factors Influencing Insurance Rates in Centreville
Location: Urban areas might have higher rates due to increased risks of thefts, accidents, and vandalism. If Centreville has higher incidents of such risks, rates could be elevated.
Driving Record: A clean driving record without accidents or violations will generally lead to lower premiums.
Vehicle Type: Luxury vehicles or cars with high repair costs might be more expensive to insure.
Coverage Level: Opting for more than the state's minimum coverage requirements, such as comprehensive or collision coverage, will increase premiums.
Deductible Amount: A higher deductible usually results in a lower premium and vice versa.
Demographics: Factors like age, gender, and marital status can influence rates. For instance, young drivers often face higher premiums due to perceived higher risk.
Local Weather Conditions: Areas prone to severe weather, such as hailstorms or tornadoes, might have higher rates due to the increased risk of vehicle damage.
Economic Conditions: If Centreville has seen a recent increase in claims due to economic downturns or other reasons, insurers might raise rates to compensate.
While Centreville, AL, might follow broader trends seen across Alabama in terms of car insurance rates, local factors play a crucial role in determining individual premiums. For the best rates and coverage options, residents should consider getting quotes from multiple providers and possibly consulting with local agents to better understand their choices.
Factors that can influence the cost of car insurance in Centreville, 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.
- Centreville, AL Auto Insurance Rates
- Centreville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Centreville, AL
- Multi Vehicle Insurance Savings in Centreville, AL
- How Credit Score Affects Car Insurance Rates in Centreville, AL
- How DUI Affects Auto Insurance Premiums in Centreville, AL
- Top Auto Insurance Agents Near Centreville, AL
- How Driving Violations Affect Auto Insurance Rates in Centreville, AL
- Centreville, AL Auto Insurance Discounts on Anti Theft Feature
Centreville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Centreville, AL with that of other cities in and around Centreville.
| Centreville | West Blocton | Piper-Coleanor | Brent | Vance | Wilton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,449 | $1,426 | $2,025 | $1,424 | $1,463 | $1,417 |
Centreville, 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 Centreville, 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) |
|---|---|---|
| Centreville | $1,999 | $1,689 |
| Centreville-Brent | $1,399 | $1,181 |
| Brent | $1,409 | $1,190 |
| Bibb County | $2,141 | $1,809 |
| Piper-Coleanor | $2,086 | $1,762 |
| West Blocton | $1,966 | $1,661 |
| Vance | $1,981 | $1,673 |
| Wilton | $2,740 | $2,314 |
Centreville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Centreville, 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 | $4,702 |
| 20 Years | $1,862 |
| 30 Years | $1,434 |
| 40 Years | $1,380 |
| 50 Years | $1,278 |
| 60 Years | $1,295 |
| 70 Years | $1,508 |
Centreville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Centreville, 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 | $2,521 | $377 |
| 3 Vehicles | $3,782 | $565 |
| 4 Vehicles | $5,043 | $753 |
Savings on 2 Vehicles bundle:$377
Savings on 3 Vehicles bundle:$565
Savings on 4 Vehicles bundle:$753
Centreville, 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 Centreville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Centreville | $1,449 | $2,569 |
| Centreville-Brent | $1,436 | $2,546 |
| Brent | $1,424 | $2,525 |
| Bibb County | $1,431 | $2,537 |
| Piper-Coleanor | $2,025 | $3,590 |
| West Blocton | $1,426 | $2,528 |
| Vance | $1,463 | $2,594 |
| Wilton | $1,417 | $2,512 |
Centreville, 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) | $1,243 |
| Excellent (740-799) | $1,419 |
| Good (670-739) | $1,510 |
| Average (580-669) | $1,970 |
| Poor (300-579) | $2,363 |
Centreville, 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 |
|---|---|---|---|
| Bob Butterworth | State Farm | 609 Main Street, Montevallo, 35115-4036 | 205-665-7190 |
| Craig Dorris | State Farm | 407 W College St, Columbiana, 35051-9523 | 205-669-6706 |
| Bobby Molan | Farmers | 1240 1st St N Ste 207, Alabaster, 35007 | (205) 621-9000 |
| Jeff Parker | Farmers | 19941 Highway 11 Apt D, Woodstock, 35188 | (205) 938-1954 |
| Red Rock Insurance Group Llc | Liberty Mutual Independent | 4009 CROSSHAVEN DR, VESTAVIA, 35243 | (205) 970-2187 |
| Lori Zucco Ins Llc | Travelers | 107 COLUMBIANA RD, HOMEWOOD, 35209 | 205-942-4448 |
| Alabama Ins Agency Inc | Travelers | 850 CORPORATE PKWY STE 108, BIRMINGHAM, 35242 | 205-776-1680 |
| Crutchfield & Graves Insurance Agency | Travelers | 200 Chase Park South Ste 220 Birmingham, Hoover, 35244 | None |
| Chad Anderson | State Farm | 2921 Cahaba Rd, Mountain Brk, 35223-1901 | 205-803-1023 |
| Standifer Insurance And Financial Services Inc. | Allstate | 1633 Montgomery Hwy Ste 2, Hoover, 35216 | (205) 979-1590 |
Centreville, 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 | $1,513 |
| Driver's Failure In Showing Documents | +$141 | $1,590 |
| Driving With An Expired Registration | +$149 | $1,598 |
| Driving At A Considerably Slow Pace | +$314 | $1,763 |
| Using A Cellphone While Driving | +$332 | $1,781 |
| Running A Red Light | +$338 | $1,787 |
| Speeding | +$355 | $1,804 |
| Driving A Vehicle Without The Required Permission | +$451 | $1,900 |
| Driving With An Expired/Suspended License | +$977 | $2,426 |
Centreville, 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 | $1,391 |
| Active Disabling Device | $1,391 |
| Tracking Device | $1,362 |
| Passive Disabling Device | $1,348 |