Clanton, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Clanton, 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.
The Reality of Car Insurance Rates in Clanton, AL
Car insurance is not just a legal necessity—it's a safeguard for our journeys on the road. However, residents of Clanton, AL, often find themselves perplexed by the seemingly erratic nature of insurance rates. In this piece, we'll unpack the reality of car insurance in Clanton, delving into the key players, the importance of quotes, rates, and the influence of agents, all while highlighting the factors that mold these rates.
Top Competitors and Their Prices
Car insurance rates in Clanton are shaped by competition among the leading providers. Here's a snapshot of the main players and their typical offerings:
- Geico: Clanton drivers can expect average annual rates from Geico to be in the ballpark of $820 to $1,170.
- State Farm: This insurance giant offers rates that generally hover between $860 and $1,240 for the residents of Clanton.
- Progressive: Progressive's yearly rates for Clanton's motorists often fall between $835 and $1,220.
- Allstate: With Allstate, yearly rates typically range from $860 to $1,255.
Quotes, Rates & Agents
- Quotes: Insurance quotes provide preliminary price estimates based on the details you share. By collecting multiple quotes, Clanton's residents can gauge the market and identify the best fit for their needs.
- Rates: This term refers to the finalized, confirmed cost of the insurance policy, generally detailed monthly or annually. Clanton's rates are the product of both overarching state factors and specific city nuances.
- Agents: Local agents, versed in the intricacies of Clanton's insurance landscape, can be invaluable allies. Their insights can guide residents towards policies that marry affordability with comprehensive coverage.
Factors Influencing the Insurance Rates in Clanton
Several elements converge to dictate the car insurance rates in Clanton:
- Local Traffic and Accident Rates: Areas with dense traffic or high accident frequencies might be slapped with increased insurance premiums.
- Vehicle Theft Rates: A surge in car theft rates in the city can correspondingly raise insurance premiums.
- Demographics: Parameters such as age, gender, and marital status are pivotal. For instance, younger drivers, generally viewed as high-risk, often face steeper premiums.
- Local Legislation: Alabama's adoption of the Tort system, which requires the party at fault in an accident to bear the financial brunt, can influence Clanton's insurance landscape.
- Vehicle Type: Your car’s make and model can sway your premiums. For example, insuring a brand-new luxury car might dig deeper into your pockets than insuring an older, more modest vehicle.
- Driving Record: A clean slate often equates to discounts, while a history marred with violations can push rates northward.
- Coverage Choices: Decisions like opting for comprehensive coverage or ratcheting up liability limits will inevitably impact your rates.
Clanton, AL, with its unique charm and sense of community, remains tethered to the intricacies of car insurance just like any other city. By understanding the nuances, residents can arm themselves with the knowledge required to secure the best deals. It's not just about finding the cheapest rate, but ensuring that you're adequately covered for the road ahead.
Factors that can influence the cost of car insurance in Clanton, 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.
- Clanton, AL Auto Insurance Rates
- Clanton, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Clanton, AL
- Multi Vehicle Insurance Savings in Clanton, AL
- How Credit Score Affects Car Insurance Rates in Clanton, AL
- How DUI Affects Auto Insurance Premiums in Clanton, AL
- Top Auto Insurance Agents Near Clanton, AL
- How Driving Violations Affect Auto Insurance Rates in Clanton, AL
- Clanton, AL Auto Insurance Discounts on Anti Theft Feature
Clanton, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Clanton, AL with that of other cities in and around Clanton.
| Clanton | Chilton County | Verbena | Jemison | Marbury | Thorsby | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,440 | $1,423 | $1,404 | $1,424 | $1,447 | $1,446 |
Clanton, 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 Clanton, 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) |
|---|---|---|
| Clanton | $2,783 | $2,351 |
| Chilton County | $1,540 | $1,301 |
| Verbena | $1,372 | $1,159 |
| Thorsby | $2,793 | $2,359 |
| Mineral Springs | $1,463 | $1,235 |
| Isabella-Pletcher | $1,524 | $1,288 |
| Jemison | $1,467 | $1,239 |
| Marbury | $1,656 | $1,399 |
Clanton, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Clanton, 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 | $4,673 |
| 20 Years | $1,850 |
| 30 Years | $1,425 |
| 40 Years | $1,371 |
| 50 Years | $1,270 |
| 60 Years | $1,287 |
| 70 Years | $1,499 |
Clanton, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Clanton, 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 | $2,534 | $346 |
| 3 Vehicles | $3,802 | $518 |
| 4 Vehicles | $5,069 | $691 |
Savings on 2 Vehicles bundle:$346
Savings on 3 Vehicles bundle:$518
Savings on 4 Vehicles bundle:$691
Clanton, 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 Clanton, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Clanton | $1,440 | $2,553 |
| Chilton County | $1,423 | $2,523 |
| Verbena | $1,404 | $2,489 |
| Thorsby | $1,446 | $2,564 |
| Mineral Springs | $1,411 | $2,502 |
| Isabella-Pletcher | $1,409 | $2,498 |
| Jemison | $1,424 | $2,525 |
| Marbury | $1,447 | $2,566 |
Clanton, 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) | $1,235 |
| Excellent (740-799) | $1,410 |
| Good (670-739) | $1,501 |
| Average (580-669) | $1,958 |
| Poor (300-579) | $2,349 |
Clanton, 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 |
|---|---|---|---|
| Connita Griffin Turner | Allstate | 1361 10th Ave Ste C, Calera, 35040 | (205) 668-6351 |
| Marcus Inc., Insurance | None | 21204 Hwy 31, Thorsby, 35171 | None |
| Nikeshia Williams | Farmers | 1200 Corporate Dr Ste 220, Birmingham, 35242 | (205) 233-1588 |
| Brian Campbell | Allstate | 2870 Old Rocky Ridge Rd Ste 140, Birmingham, 35243 | (205) 824-4714 |
| Davis & Davis Insurance Agency, Inc. | None | 401 6Th Street N, Clanton, 35045 | None |
| Burchell Insurance Agency Inc | Nationwide | 16233 HWY 280 STE E, Chelsea, 35043 | (205) 678-0800 |
| Chadwick L Hartsfield | Liberty Mutual | 100 Corporate Parkway Suite 225, Birmingham, 35242 | 1-205-995-9883 |
| Cooley Insurance, Inc. | None | 1550 F Montgomery Highway, Hoover, 35216 | None |
| Jennifer C Euler | Liberty Mutual | 100 Corporate Parkway Suite 225, Birmingham, 35242 | 1-205-995-9883 |
| Cobbs Allen & Hall Inc | Liberty Mutual Independent | 115 OFFICE PARK DR STE 200, BIRMINGHAM, 35223 | 205-414-8100 |
Clanton, 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 | $1,503 |
| Driver's Failure In Showing Documents | +$140 | $1,580 |
| Driving With An Expired Registration | +$148 | $1,588 |
| Driving At A Considerably Slow Pace | +$312 | $1,752 |
| Using A Cellphone While Driving | +$330 | $1,770 |
| Running A Red Light | +$336 | $1,776 |
| Speeding | +$353 | $1,793 |
| Driving A Vehicle Without The Required Permission | +$448 | $1,888 |
| Driving With An Expired/Suspended License | +$971 | $2,411 |
Clanton, 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 | $1,382 |
| Active Disabling Device | $1,382 |
| Tracking Device | $1,354 |
| Passive Disabling Device | $1,339 |