Clarence, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Clarence, 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.
Deconstructing Car Insurance Rates in Clarence, AL
The world of car insurance is intricate, and for the residents of Clarence, AL, understanding these complexities can be the key to unlocking significant savings. Let's embark on a journey to deconstruct the car insurance rates in Clarence and shed light on what drives them.
Top Competitors and Their Prices
Clarence's car insurance landscape is influenced by the competition among industry stalwarts. Here's an overview of the main players and their respective rate brackets:
- Geico: On average, Clarence residents can anticipate rates between $840 and $1,190 annually when looking at Geico's offerings.
- State Farm: This industry behemoth typically pegs its rates for Clarence's motorists between $870 and $1,260 per year.
- Progressive: Progressive's annual rates for the city's drivers tend to fluctuate between $855 and $1,235.
- Allstate: Residents considering Allstate can expect their yearly rates to range from $880 to $1,270.
Quotes, Rates & Agents
- Quotes: A quote essentially offers a preliminary estimate of what an insurance policy might cost based on the details you provide. Gathering multiple quotes is a smart move, enabling residents to gauge the market and pinpoint the most advantageous deal.
- Rates: This refers to the final, confirmed cost of your policy, often detailed either monthly or annually. For Clarence, these rates are determined by a blend of Alabama's overarching influences and the city's specific dynamics.
- Agents: Clarence's local agents, steeped in the city's unique insurance nuances, can be invaluable allies. Their expertise can be instrumental in navigating the insurance maze, ensuring that residents secure optimal coverage without breaking the bank.
Factors Influencing the Insurance Rates in Clarence
The rates in Clarence are shaped by a confluence of factors:
- Local Traffic and Accident Rates: An area's propensity for traffic congestion or its accident frequency can spike insurance premiums.
- Vehicle Theft Rates: Areas with heightened car theft incidents might grapple with elevated insurance rates.
- Demographics: Factors like age, gender, and marital status have significant weight. For example, younger drivers might face higher rates due to perceived inexperience.
- Local Legislation: Alabama's adherence to a Tort system, which tasks the at-fault party in an accident with the responsibility of covering damages, can shape Clarence's insurance rates.
- Vehicle Type: The make, model, and age of your vehicle can influence the premium. A state-of-the-art sports car will likely attract a higher premium compared to a decade-old sedan.
- Driving Record: Drivers with a blemish-free history often enjoy more attractive rates, while those with past violations might see a rate hike.
- Coverage Choices: Electing for more comprehensive coverage or increasing deductible amounts will invariably alter your premium.
Clarence, AL, though a tapestry of community warmth and scenic beauty, isn't exempt from the intricacies of car insurance. By comprehending the determinants and leveraging local agents, its residents can ensure they're not just landing the best rates but also securing the coverage that seamlessly aligns with their needs.
Factors that can influence the cost of car insurance in Clarence, 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.
- Clarence, AL Auto Insurance Rates
- Clarence, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Clarence, AL
- Multi Vehicle Insurance Savings in Clarence, AL
- How Credit Score Affects Car Insurance Rates in Clarence, AL
- How DUI Affects Auto Insurance Premiums in Clarence, AL
- Top Auto Insurance Agents Near Clarence, AL
- How Driving Violations Affect Auto Insurance Rates in Clarence, AL
- Clarence, AL Auto Insurance Discounts on Anti Theft Feature
Clarence, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Clarence, AL with that of other cities in and around Clarence.
| Clarence | Snead | Brooksville | Douglas | Altoona | Rosa | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,412 | $1,431 | $1,409 | $1,397 | $1,392 | $1,428 |
Clarence, 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 Clarence, 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) |
|---|---|---|
| Clarence | $1,481 | $1,251 |
| Susan Moore | $1,174 | $992 |
| Snead | $1,171 | $989 |
| Walnut Grove | $1,225 | $1,034 |
| Altoona | $1,434 | $1,211 |
| Douglas | $1,579 | $1,334 |
| Rosa | $1,498 | $1,265 |
| Brooksville | $1,916 | $1,618 |
Clarence, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Clarence, 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 | $4,582 |
| 20 Years | $1,814 |
| 30 Years | $1,397 |
| 40 Years | $1,345 |
| 50 Years | $1,245 |
| 60 Years | $1,262 |
| 70 Years | $1,469 |
Clarence, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Clarence, 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 | $2,400 | $424 |
| 3 Vehicles | $3,601 | $635 |
| 4 Vehicles | $4,801 | $847 |
Savings on 2 Vehicles bundle:$424
Savings on 3 Vehicles bundle:$635
Savings on 4 Vehicles bundle:$847
Clarence, 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 Clarence, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Clarence | $1,412 | $2,504 |
| Susan Moore | $1,434 | $2,543 |
| Snead | $1,431 | $2,537 |
| Walnut Grove | $1,402 | $2,486 |
| Altoona | $1,392 | $2,468 |
| Douglas | $1,397 | $2,477 |
| Rosa | $1,428 | $2,532 |
| Brooksville | $1,409 | $2,498 |
Clarence, 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) | $1,211 |
| Excellent (740-799) | $1,383 |
| Good (670-739) | $1,471 |
| Average (580-669) | $1,920 |
| Poor (300-579) | $2,303 |
Clarence, 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 |
|---|---|---|---|
| Holt Hathcock | State Farm | 910 2nd Ave E, Oneonta, 35121-2506 | 205-274-4000 |
| Jesus Granados | State Farm | 43586 State Highway 75, Snead, 35952-9661 | 205-466-3131 |
| Allison Agency Inc | Liberty Mutual Independent | 87563 US HIGHWAY 278, SNEAD, 35952 | 205-466-5555 |
| Darlene Shelton Insurance | None | 1436 N. Brindlee Mountain Parkway, Arab, 35016 | None |
| Karri Willis Agency Inc | Travelers | 33 GOLFVIEW DR NE, ARAB, 35016 | 256-586-2442 |
| Lori Zucco Insurance Llc | None | 107 Columbiana Rd., Homewood, 35209 | None |
| Christopher Malone | Farmers | 2100b Sparkman Dr NW, Huntsville, 35810 | (256) 585-1182 |
| Jason Scholl | Farmers | 319 1st Ave E Ste B, Oneonta, 35121 | (205) 625-5190 |
| David Presley | State Farm | 250 Governors Dr SE Ste A, Huntsville, 35801-2710 | 256-536-3332 |
| Dusty Kilgore Insurance Agency Inc | Nationwide | 900 Bob Wallace Ave Ste 107, Huntsville, 35801-5647 | (256) 539-7378 |
Clarence, 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 | $1,474 |
| Driver's Failure In Showing Documents | +$137 | $1,549 |
| Driving With An Expired Registration | +$145 | $1,557 |
| Driving At A Considerably Slow Pace | +$306 | $1,718 |
| Using A Cellphone While Driving | +$323 | $1,735 |
| Running A Red Light | +$329 | $1,741 |
| Speeding | +$346 | $1,758 |
| Driving A Vehicle Without The Required Permission | +$439 | $1,851 |
| Driving With An Expired/Suspended License | +$952 | $2,364 |
Clarence, 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 | $1,356 |
| Active Disabling Device | $1,356 |
| Tracking Device | $1,327 |
| Passive Disabling Device | $1,313 |