Chambers County Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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

  • 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.

  • GEICO: Popular for its competitive rates and extensive advertising, GEICO offers an average annual rate of around $1,420 for Chambers County residents.

  • Allstate: With an average annual premium of $1,580, Allstate offers a range of coverage options tailored to meet various needs.

  • 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.

  • 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.

  • 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.

  • 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

  • Location: Specific areas within Chambers County with higher crime or accident rates might see elevated insurance premiums.

  • Age & Driving Experience: Generally, younger and less experienced drivers see higher rates due to the increased risk associated with their demographic.

  • 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.

  • Driving History: A clean driving record can significantly reduce your insurance premium. In contrast, histories with accidents or traffic violations can spike the rates.

  • 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 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