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

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.

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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 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