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

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

Zimlon, through its research, found that car owners in Chatom, 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 Chatom, AL: A User's Guide

In Chatom, AL, car insurance isn't just a legal necessity — it's a significant decision that can influence your financial security in case of unforeseen accidents. Understanding the ins and outs of car insurance in Chatom can help residents make an informed choice that offers both coverage and value for money. Let's dive into a comprehensive user's guide.

Top Competitors and Their Prices

While the specific rates you'll be offered depend heavily on individual circumstances, such as your driving record and the kind of car you drive, here's a rough guide based on some of the top competitors in Chatom:

  • Geico: On average, Geico's basic coverage in Chatom ranges from $830 to $1,190 annually.

  • State Farm: State Farm tends to offer rates around the $880 to $1,280 per annum mark in Chatom.
  • Progressive: Chatom's residents with Progressive usually see annual rates between $920 to $1,230.
  • Allstate: Annual rates with Allstate are generally in the ballpark of $970 to $1,340.

Quotes, Rates & Agents

  • Quotes: A quote provides an estimated cost for your car insurance based on the information you provide. Always get multiple quotes to ensure you're getting a competitive rate.
  • Rates: This refers to the amount you'll be paying, either monthly or annually, for your insurance policy. Chatom’s average car insurance rate sits somewhat below the national average, which can be attributed to various local factors.
  • Agents: Insurance agents can be invaluable for those unfamiliar with insurance jargon or the specifics of what they need. Local agents in Chatom have an in-depth understanding of the area and can provide advice tailored to local conditions and requirements.

Factors Influencing the Insurance Rates in Chatom

Insurance rates in Chatom, as in any city, are determined by a mix of general and locality-specific factors:

  • Local Traffic and Accident Rates: High local accident rates can result in increased premiums.
  • Vehicle Theft Rates: If Chatom has a higher car theft rate, it could result in higher insurance costs.
  • Demographics: Factors such as age, gender, and marital status play a role. For example, young drivers often pay more due to their perceived risk.
  • Local Legislation: Alabama's insurance laws, which are built around a Tort system, can influence rates in Chatom. Under this system, someone must be found at fault for an accident, and that individual (and their insurance) covers the resulting costs.
  • Type of Vehicle: High-end, sporty cars often come with heftier insurance rates than more basic models.
  • Driving Record: A clean record means lower rates, while those with accidents or violations will often pay more.
  • Coverage Choices: The more comprehensive your coverage (including collision, comprehensive, higher liability limits, etc.), the more you'll likely pay.

Finding the right car insurance in Chatom, AL, is all about understanding the local landscape, being aware of what influences your personal rates, and shopping around. By comparing quotes, understanding rates, and consulting with knowledgeable agents, you'll be well-equipped to make an informed decision that safeguards both you and your vehicle. Remember, while price is crucial, ensure you have the coverage you need to drive with peace of mind.

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

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

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

Chatom Washington County St. Stephens Millry Tibbie Leroy
Average Insurance Rates $1,398 $1,407 $1,908 $1,374 $1,953 $1,451

Chatom, 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 Chatom, 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)
Chatom $1,572 $1,328
Washington County $1,680 $1,419
Millry $1,875 $1,583
St. Stephens $1,965 $1,660
Tibbie $2,012 $1,699
Wagarville $1,696 $1,433
Cullomburg $1,903 $1,608
Leroy $1,605 $1,355

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

Teenagers in Chatom, 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 $4,536
20 Years $1,796
30 Years $1,384
40 Years $1,331
50 Years $1,233
60 Years $1,250
70 Years $1,455

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

Car owners in Chatom, 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 $2,433 $363
3 Vehicles $3,649 $545
4 Vehicles $4,865 $727

Savings on 2 Vehicles bundle:$363

Savings on 3 Vehicles bundle:$545

Savings on 4 Vehicles bundle:$727

Chatom, 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 Chatom, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Chatom $1,398 $2,479
Washington County $1,407 $2,495
Millry $1,374 $2,436
St. Stephens $1,908 $3,383
Tibbie $1,953 $3,463
Wagarville $1,436 $2,546
Cullomburg $1,449 $2,569
Leroy $1,451 $2,573

Chatom, 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) $1,199
Excellent (740-799) $1,369
Good (670-739) $1,457
Average (580-669) $1,901
Poor (300-579) $2,280

Chatom, 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
Skipper Insurance Agencies Travelers 1534 COLLEGE AVE, JACKSON, 36545 251-246-2487
Harrison & Harrison Ins & Realty Inc Travelers 2005 College Ave, Jackson, 36545 None
The Lambert Agy Llc Allstate 16641 Jordan Street, Chatom, 36518 (251) 847-3880
Morris Insurance Service Inc Travelers 85 A JORDAN ST, CHATOM, 36518 251-847-3880
Craig Williams State Farm 19223 Main Street, Citronelle, 36522 251-866-5541

Chatom, 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 $1,460
Driver's Failure In Showing Documents +$136 $1,534
Driving With An Expired Registration +$144 $1,542
Driving At A Considerably Slow Pace +$303 $1,701
Using A Cellphone While Driving +$320 $1,718
Running A Red Light +$326 $1,724
Speeding +$343 $1,741
Driving A Vehicle Without The Required Permission +$435 $1,833
Driving With An Expired/Suspended License +$942 $2,340

Chatom, 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 $1,342
Active Disabling Device $1,342
Tracking Device $1,314
Passive Disabling Device $1,300