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

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.

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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 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