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

Chilton County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Chilton 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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Unraveling the Dynamics of Car Insurance in Chilton County, AL

Nestled in the heart of Alabama, Chilton County is well-known for its peach festivals and rich history. But like any other location, its residents need to ensure they're adequately covered when they hit the road. The landscape of car insurance here, like anywhere, is determined by a mix of broad state influences and local factors. Let's delve into what's driving car insurance rates in Chilton County.

Top Competitors and Their Prices

Chilton County's car insurance market features several major players:

  • Geico: In Chilton County, Geico's rates tend to hover between $860 to $1,220 annually for basic coverage.
  • State Farm: Generally, residents can expect State Farm rates to range from $900 to $1,280 per annum.
  • Progressive: Progressive tends to offer rates averaging from $880 to $1,260 yearly for the county's residents.
  • Allstate: For those opting for Allstate, the yearly rate falls approximately between $910 to $1,290.

Quotes, Rates & Agents

  • Quotes: A quote is an insurance company's preliminary estimate based on the information you supply. By procuring multiple quotes, you can ensure you're not shelling out more than necessary.
  • Rates: The actual cost of your insurance, either monthly or annually, constitutes the rate. In Chilton County, the average rate is shaped by both broader Alabama factors and local influences.
  • Agents: Leveraging the insights of local agents, especially those well-acquainted with Chilton County, can help drivers land the best deals tailored to their needs.

Factors Influencing the Insurance Rates in Chilton County

Several key elements come into play when determining rates in this county:

  • Local Traffic and Accident Rates: Regions with significant traffic congestion or higher accident rates will typically have elevated insurance premiums.
  • Vehicle Theft Rates: Areas with higher rates of vehicle theft can see a proportional increase in insurance rates.
  • Demographics: Features like age, gender, and marital status play into insurance costs. For instance, younger drivers, due to perceived inexperience, often face steeper rates.
  • Local Legislation: Alabama follows a Tort system. This means that post-accident, an at-fault party is identified, and their insurance covers the costs. This system can influence Chilton County rates.
  • Vehicle Type: If your vehicle leans toward the luxury side or is considered high-maintenance, insurance costs might be higher.
  • Driving Record: A clean slate often equals reduced rates. Conversely, those with past violations or accidents might see rate hikes.
  • Coverage Choices: Naturally, if you opt for comprehensive coverage or higher liability limits, the rate will reflect this choice.

Chilton County, with its unique blend of history and agriculture, presents its own set of considerations when it comes to car insurance. By understanding the key drivers of insurance rates and seeking out multiple quotes (preferably with the assistance of local agents), residents can secure an insurance policy that is both cost-effective and protective. It's always wise to strike a balance between affordability and ensuring robust coverage. 

Factors that can influence the cost of car insurance in Chilton 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.

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

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

Chilton County Maplesville Clanton Mineral Springs Jemison Verbena
Average Insurance Rates $1,423 $1,410 $1,440 $1,411 $1,424 $1,404

Chilton 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 Chilton 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)
Chilton County $1,540 $1,301
Thorsby $2,793 $2,359
Isabella-Pletcher $1,524 $1,288
Clanton $2,783 $2,351
Jemison $1,467 $1,239
Mineral Springs $1,463 $1,235
Maplesville $1,587 $1,341
Verbena $1,372 $1,159

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

Teenagers in Chilton 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 $4,617
20 Years $1,828
30 Years $1,408
40 Years $1,355
50 Years $1,255
60 Years $1,272
70 Years $1,481

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

Car owners in Chilton 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 $2,448 $398
3 Vehicles $3,671 $598
4 Vehicles $4,895 $797

Savings on 2 Vehicles bundle:$398

Savings on 3 Vehicles bundle:$598

Savings on 4 Vehicles bundle:$797

Chilton 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 Chilton County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Chilton County $1,423 $2,523
Thorsby $1,446 $2,564
Isabella-Pletcher $1,409 $2,498
Clanton $1,440 $2,553
Jemison $1,424 $2,525
Mineral Springs $1,411 $2,502
Maplesville $1,410 $2,500
Verbena $1,404 $2,489

Chilton 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) $1,221
Excellent (740-799) $1,394
Good (670-739) $1,483
Average (580-669) $1,935
Poor (300-579) $2,321

Chilton 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
Christin Millard Allstate 62 Church St, Jemison, 35085 (205) 688-1986
Mayer Insurance Services Llc Travelers 1701 7TH ST N, CLANTON, 35045 205-258-5175
Anchor Insurance Agency Travelers 414 LORNA SQ, HOOVER, 35216 205-823-7707
Bob Butterworth State Farm 609 Main Street, Montevallo, 35115-4036 205-665-7190
Moor & Company, Inc. None 27 Fairway Drive Birmingham, Mountain Brook, 35213 None
Donald Watkins Jr. State Farm 2170 Highland Ave S Ste 100, Birmingham, 35205-4025 205-558-4685
Alabama Ins Agency Inc Travelers 850 CORPORATE PKWY STE 108, BIRMINGHAM, 35242 205-776-1680
O. M. Hughes Insurance, Inc. Travelers 300 Union Hill Drive Ste 300 Birmingham, Homewood, 35209 None
Clark Assocs Inc None 2229 Rocky Ridge Rd Birmingham, Vestavia Hills, 35216 None

Chilton 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 +$63 $1,486
Driver's Failure In Showing Documents +$138 $1,561
Driving With An Expired Registration +$147 $1,570
Driving At A Considerably Slow Pace +$309 $1,732
Using A Cellphone While Driving +$326 $1,749
Running A Red Light +$332 $1,755
Speeding +$349 $1,772
Driving A Vehicle Without The Required Permission +$443 $1,866
Driving With An Expired/Suspended License +$959 $2,382

Chilton 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 $1,366
Active Disabling Device $1,366
Tracking Device $1,338
Passive Disabling Device $1,323