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

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

Zimlon, through its research, found that car owners in Choctaw 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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Deciphering the Puzzle: Car Insurance Rate Fluctuations in Choctaw County, AL

In the southern realm of Alabama lies Choctaw County, a region of rich history and diverse landscapes. For residents of this county, car insurance is an essential item on their checklist. But have you ever wondered why rates vary so much, even within the county lines? This article aims to demystify the fluctuations in car insurance rates in Choctaw County.

Top Competitors and Their Prices

The car insurance market in Choctaw County is competitive, and prices vary between providers. Here are some of the leading insurance providers and their typical rates:

  • Geico: In Choctaw County, Geico's annual rates for standard coverage tend to oscillate between $840 and $1,200.
  • State Farm: A favorite across the nation, State Farm provides rates that range from $875 to $1,265 annually.
  • Progressive: Typically, Progressive offers rates that span from $860 to $1,240 per year.
  • Allstate: Residents choosing Allstate might see yearly rates from $890 to $1,280.

Quotes, Rates & Agents

  • Quotes: A quote is a preliminary price estimate from insurance providers based on the data you share. Gathering multiple quotes ensures you get a panoramic view of your options.
  • Rates: These figures represent the finalized cost of your insurance, usually laid out as monthly or yearly fees. Rates in Choctaw County are influenced by state-level and local factors.
  • Agents: Local insurance agents, with their nuanced understanding of Choctaw County, are an invaluable resource. They can walk you through the complexities of insurance, ensuring you snag both an affordable rate and an appropriate policy.

Factors Influencing the Insurance Rates in Choctaw County

Several components determine the variability in car insurance rates:

  • Local Traffic and Accident Rates: Areas with significant traffic congestion or a high number of accidents might experience elevated insurance premiums.
  • Vehicle Theft Rates: An uptick in vehicle theft within the county can directly influence an increase in insurance rates.
  • Demographics: Age, gender, and marital status can all play pivotal roles. Younger drivers, for instance, often bear the burden of higher rates due to their perceived risk.
  • Local Legislation: Alabama's adherence to a Tort system requires the identification of an at-fault party post-accident, whose insurance then covers the associated costs. This legal landscape can tweak insurance rates in the county.
  • Vehicle Type: Your car's make, model, and age can impact rates. A brand-new sports car might be costlier to insure than a decade-old sedan.
  • Driving Record: Drivers with no violations or accidents are often eligible for discounted rates. Those with a spotty history might face rate surges.
  • Coverage Choices: Enhanced coverage or increased liability limits naturally come with heftier premiums.

Choctaw County, with its unique blend of rural charm and connectivity, is a microcosm of the broader insurance landscape. While prices do fluctuate, understanding the variables at play can empower residents to secure the best possible insurance deals. Beyond cost considerations, ensuring adequate coverage is crucial for peace of mind on the road.

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

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

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

Choctaw County Putnam Silas Coffeeville Gilbertown-Toxey Butler
Average Insurance Rates $1,390 $1,943 $1,379 $1,412 $1,386 $1,399

Choctaw 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 Choctaw 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)
Choctaw County $1,243 $1,050
Needham $2,665 $2,251
Butler $1,904 $1,609
Toxey $2,167 $1,830
Gilbertown-Toxey $1,889 $1,596
Putnam $2,001 $1,690
Coffeeville $1,412 $1,193
Silas $1,386 $1,171

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

Teenagers in Choctaw 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 $4,510
20 Years $1,786
30 Years $1,376
40 Years $1,324
50 Years $1,226
60 Years $1,243
70 Years $1,447

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

Car owners in Choctaw 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 $2,363 $417
3 Vehicles $3,545 $626
4 Vehicles $4,726 $834

Savings on 2 Vehicles bundle:$417

Savings on 3 Vehicles bundle:$626

Savings on 4 Vehicles bundle:$834

Choctaw 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 Choctaw County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Choctaw County $1,390 $2,464
Needham $1,377 $2,441
Butler $1,399 $2,480
Toxey $1,431 $2,537
Gilbertown-Toxey $1,386 $2,457
Putnam $1,943 $3,445
Coffeeville $1,412 $2,504
Silas $1,379 $2,445

Choctaw 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) $1,193
Excellent (740-799) $1,361
Good (670-739) $1,448
Average (580-669) $1,890
Poor (300-579) $2,267

Choctaw 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
Insurance Express Allstate 12729 Highway 17, Gilbertown, 36908 (251) 843-2299
Eddie Pope State Farm 128 N Mulberry Ave, Butler, 36904-2224 205-459-4485
Dansby Evans Skipper Allstate 118 S Mulberry Ave, Butler, 36904 (205) 459-3411
Meador-Duckworth-Morris Inc None P O Box 597 , Butler, 36904 None
Kris Mullins Clu, Flmi State Farm 305 East Jefferson St, Demopolis, 36732 334-289-2643
The Lambert Agy Llc Allstate 16641 Jordan Street, Chatom, 36518 (251) 847-3880
Skipper Ins Agcy None P O Drawer 1098, Jackson, 36545 None

Choctaw 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 +$61 $1,451
Driver's Failure In Showing Documents +$135 $1,525
Driving With An Expired Registration +$143 $1,533
Driving At A Considerably Slow Pace +$302 $1,692
Using A Cellphone While Driving +$318 $1,708
Running A Red Light +$324 $1,714
Speeding +$341 $1,731
Driving A Vehicle Without The Required Permission +$432 $1,822
Driving With An Expired/Suspended License +$937 $2,327

Choctaw 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 $1,334
Active Disabling Device $1,334
Tracking Device $1,307
Passive Disabling Device $1,293