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

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

Zimlon, through its research, found that car owners in Chapman, 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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Car Insurance Rates in Chapman, AL: Breaking Down the Numbers

Chapman, AL, like every other city in the United States, has its own unique factors that influence car insurance rates. As consumers, it's imperative to understand these factors, the competitive landscape, and the myriad of quotes, rates, and agents available in the market. This article aims to dissect the car insurance scenario in Chapman and provide a comprehensive understanding of the numbers.

Top Competitors and Their Prices

While specific prices can vary based on the individual driver's profile, vehicle type, and coverage needs, here's a general breakdown of some of the top competitors in Chapman:

  • Geico: Typically offers basic coverage rates ranging from $850 to $1,200 annually.

  • State Farm: Their average rates in Chapman float around the $900 to $1,300 per annum bracket.

  • Progressive: Most Chapman drivers with Progressive might find themselves paying between $950 to $1,250 yearly.

  • Allstate: This competitor's average annual rate in the city is approximately $1,000 to $1,350.

Quotes, Rates & Agents

  • Quotes: A quote is an estimate of the price you'll pay for a policy. It's essential to gather multiple quotes from different insurance providers to compare and find the best deal that suits your needs.

  • Rates: The rate is the cost of the insurance policy over a set amount of time, typically yearly. Chapman’s average annual car insurance rate is slightly lower than the national average, largely influenced by the city's demographics, accident statistics, and other local factors.

  • Agents: An insurance agent can be invaluable in navigating the complex world of insurance. They can guide you through the process, explain policy details, and even potentially get you better deals due to their relationships with insurance companies. In Chapman, many local agents have a deep understanding of the city’s dynamics and can offer tailored advice.

Factors Influencing the Insurance Rates in Chapman

Several factors can influence car insurance rates in Chapman:

  • Local Traffic Conditions: Areas with high traffic congestion or high accident rates can lead to higher premiums.

  • Vehicle Theft Rates: Cities or neighborhoods with higher car theft rates often experience higher insurance rates.

  • Demographics: Age, gender, and marital status play a role. For instance, younger drivers often have higher rates due to perceived inexperience.

  • Local Legislation: State-specific insurance laws and requirements can influence rates. Alabama, for example, follows a Tort system, which means someone must be found at fault for causing the accident, and they and their insurance company are responsible for all the damages.

  • Type of Vehicle: Premium sports cars or vehicles that are expensive to repair can have higher insurance rates than economy models.

  • Driving Record: Individuals with a history of accidents or traffic violations typically face higher premiums.

  • Coverage Choices: Opting for higher coverage limits or additional coverages like comprehensive and collision will increase rates.

When hunting for car insurance in Chapman, AL, it's essential to arm oneself with knowledge. By understanding the influencing factors, comparing quotes, and leveraging the expertise of agents, residents can secure the best rates that cater to their unique needs. Always remember, the cheapest option isn’t necessarily the best; what’s paramount is obtaining comprehensive coverage that provides peace of mind on the road.

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

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

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

Chapman Georgiana Greenville Butler County McKenzie Lyeffion
Average Insurance Rates $1,406 $1,383 $1,424 $1,412 $1,380 $1,402

Chapman, 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 Chapman, 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)
Chapman $1,448 $1,223
Butler County $1,454 $1,228
Georgiana $1,497 $1,264
Georgiana-McKenzie $1,524 $1,288
Forest Home $2,175 $1,837
McKenzie $1,351 $1,141
Greenville $1,239 $1,047
Lyeffion $1,225 $1,034

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

Teenagers in Chapman, 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 $4,562
20 Years $1,807
30 Years $1,391
40 Years $1,339
50 Years $1,240
60 Years $1,257
70 Years $1,463

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

Car owners in Chapman, 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 $2,418 $394
3 Vehicles $3,627 $591
4 Vehicles $4,837 $787

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$787

Chapman, 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 Chapman, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Chapman $1,406 $2,493
Butler County $1,412 $2,504
Georgiana $1,383 $2,452
Georgiana-McKenzie $1,385 $2,456
Forest Home $1,410 $2,500
McKenzie $1,380 $2,447
Greenville $1,424 $2,525
Lyeffion $1,402 $2,486

Chapman, 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) $1,206
Excellent (740-799) $1,377
Good (670-739) $1,465
Average (580-669) $1,911
Poor (300-579) $2,293

Chapman, 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
Brian Moss State Farm 631 Willow Ln Ste M, Greenville, 36037-8028 334-371-7676
Dockery & Associates Inc Nationwide 509 E Commerce St Ste 2, Greenville, 36037 (334) 382-3700
Parker Waller Agy Allstate 401 Cedar St, Greenville, 36037 (334) 382-1234
Dale May State Farm 201 Greenville Byp, Greenville, 36037-3771 334-371-8000
Wendy Folmar State Farm 709 Douglas Ave, Brewton, 36426-1707 251-867-4518

Chapman, 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 $1,468
Driver's Failure In Showing Documents +$136 $1,542
Driving With An Expired Registration +$145 $1,551
Driving At A Considerably Slow Pace +$305 $1,711
Using A Cellphone While Driving +$322 $1,728
Running A Red Light +$328 $1,734
Speeding +$344 $1,750
Driving A Vehicle Without The Required Permission +$437 $1,843
Driving With An Expired/Suspended License +$948 $2,354

Chapman, 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 $1,350
Active Disabling Device $1,350
Tracking Device $1,322
Passive Disabling Device $1,308