Chambers County, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Chambers County, 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.
Chambers County, AL Car Insurance Rates: An Overview
Chambers County in Alabama has its unique set of factors affecting car insurance rates. Being informed about the major insurance players and the determinants of the rates can help residents choose the right coverage.
Top Competitors
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State Farm: A major player across the U.S., State Farm continues its dominance in Chambers County as well. The average annual premium for full coverage here is approximately $1,480.
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GEICO: Popular for its competitive rates and extensive advertising, GEICO offers an average annual rate of around $1,420 for Chambers County residents.
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Allstate: With an average annual premium of $1,580, Allstate offers a range of coverage options tailored to meet various needs.
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Progressive: Progressive's flexible plans and online tools make it a favorite for many, and their average annual premium in Chambers County stands at about $1,530.
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Liberty Mutual: Another prominent name in the insurance world, Liberty Mutual's average annual premium for the county is around $1,610.
Analysis on Quotes, Rates & Agents
In Chambers County, as is the case in most regions, auto insurance quotes can greatly differ based on individual situations. It's vital to obtain multiple quotes to ensure you're getting the best possible deal.
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Agents: Local agents, with their in-depth understanding of Chambers County, often prove invaluable. They're aware of specific risks associated with the region and can provide insight into the best coverage options and potential discounts.
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Online tools: Many providers offer online quoting tools that allow residents to get a quick estimate based on a few key factors. However, while convenient, these tools might not capture all possible discounts or considerations, making personal interaction with agents beneficial.
Factors Influencing Insurance Rates
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Location: Specific areas within Chambers County with higher crime or accident rates might see elevated insurance premiums.
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Age & Driving Experience: Generally, younger and less experienced drivers see higher rates due to the increased risk associated with their demographic.
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Vehicle Type: High-end vehicles, or those which have high repair costs, can command higher insurance rates. Similarly, cars with high theft rates may also attract higher premiums.
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Driving History: A clean driving record can significantly reduce your insurance premium. In contrast, histories with accidents or traffic violations can spike the rates.
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Credit History: A higher credit score can be favorable for securing lower insurance rates, as it's often equated with responsible behavior on the road.
Car insurance rates in Chambers County are influenced by a myriad of factors. Residents should remain informed, shop around, and seek advice from local agents to secure the best rates tailored to their individual needs.
Factors that can influence the cost of car insurance in Chambers County, 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.
- Chambers County, AL Auto Insurance Rates
- Chambers County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Chambers County, AL
- Multi Vehicle Insurance Savings in Chambers County, AL
- How Credit Score Affects Car Insurance Rates in Chambers County, AL
- How DUI Affects Auto Insurance Premiums in Chambers County, AL
- Top Auto Insurance Agents Near Chambers County, AL
- How Driving Violations Affect Auto Insurance Rates in Chambers County, AL
- Chambers County, AL Auto Insurance Discounts on Anti Theft Feature
Chambers County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Chambers County, AL with that of other cities in and around Chambers County.
| Chambers County | Huguley | Penton | Cusseta | Fredonia | La Fayette | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,410 | $1,402 | $1,439 | $1,433 | $1,439 | $1,393 |
Chambers County, 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 Chambers County, 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) |
|---|---|---|
| Chambers County | $1,917 | $1,619 |
| La Fayette | $1,604 | $1,355 |
| Fredonia | $1,952 | $1,649 |
| Lanett | $2,736 | $2,311 |
| Penton | $1,291 | $1,090 |
| Five Points | $1,387 | $1,172 |
| Cusseta | $1,582 | $1,336 |
| Huguley | $1,431 | $1,208 |
Chambers County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Chambers County, 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 | $4,575 |
| 20 Years | $1,812 |
| 30 Years | $1,395 |
| 40 Years | $1,343 |
| 50 Years | $1,243 |
| 60 Years | $1,261 |
| 70 Years | $1,467 |
Chambers County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Chambers County, 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 | $2,482 | $338 |
| 3 Vehicles | $3,722 | $508 |
| 4 Vehicles | $4,963 | $677 |
Savings on 2 Vehicles bundle:$338
Savings on 3 Vehicles bundle:$508
Savings on 4 Vehicles bundle:$677
Chambers County, 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 Chambers County, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Chambers County | $1,410 | $2,500 |
| La Fayette | $1,393 | $2,470 |
| Fredonia | $1,439 | $2,551 |
| Lanett | $1,415 | $2,509 |
| Penton | $1,439 | $2,551 |
| Five Points | $1,433 | $2,541 |
| Cusseta | $1,433 | $2,541 |
| Huguley | $1,402 | $2,486 |
Chambers County, 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) | $1,210 |
| Excellent (740-799) | $1,381 |
| Good (670-739) | $1,469 |
| Average (580-669) | $1,917 |
| Poor (300-579) | $2,300 |
Chambers County, 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 |
|---|---|---|---|
| Tom Bryan | State Farm | 1819 Pepperell Pkwy, Opelika, 36801-5475 | 334-749-5777 |
| Bill White | State Farm | 401 S 8th St, Opelika, 36801-4958 | 334-749-8319 |
| Tri Co Ins-Valley | Allstate | 360 Fob James Dr, Valley, 36854 | (334) 756-3600 |
| Mike Spear | State Farm | 401 So. Lafayette St., Lafayette, 36862 | 334-864-8772 |
| Rusty Sheehan | State Farm | 907 2nd Ave, Opelika, 36801-4388 | 334-745-6303 |
| Prewett Insurance Group | Allstate | 1849 Ogletree Rd Ste 300, Auburn, 36830 | (334) 502-5111 |
| Insuresouth Inc | Liberty Mutual Independent | 100 N 7TH ST, OPELIKA, 36801 | (334) 745-3585 |
| Wright-Sprayberry Ins Llc | Travelers | 120 COURT SQUARE, ASHLAND, 36251 | 256-354-4100 |
Chambers County, 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 | +$62 | $1,472 |
| Driver's Failure In Showing Documents | +$137 | $1,547 |
| Driving With An Expired Registration | +$145 | $1,555 |
| Driving At A Considerably Slow Pace | +$306 | $1,716 |
| Using A Cellphone While Driving | +$323 | $1,733 |
| Running A Red Light | +$329 | $1,739 |
| Speeding | +$345 | $1,755 |
| Driving A Vehicle Without The Required Permission | +$439 | $1,849 |
| Driving With An Expired/Suspended License | +$950 | $2,360 |
Chambers County, 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 | $1,354 |
| Active Disabling Device | $1,354 |
| Tracking Device | $1,325 |
| Passive Disabling Device | $1,311 |