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

Clay, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Clay, 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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Car Insurance Rates in Clay, AL: A Close Look

Car insurance rates can vary significantly depending on a multitude of factors, including location. In Clay, AL, as in many other places, residents are often on the lookout for the best deals and most competitive rates. This article takes a closer look at car insurance rates in Clay, with an emphasis on major competitors, the prices they offer, and an analysis of quotes, rates, and agents.

Top Competitors and Their Offerings

While specific rates can vary based on individual circumstances, here are a few of the top competitors in Clay, AL and their general price ranges:

  • State Farm: Known for their comprehensive coverage, State Farm's rates in Clay tend to be in the range of $900 to $1,200 annually for standard policies.
  • GEICO: Offering competitive rates, GEICO's prices hover between $850 and $1,150 for most residents.
  • Allstate: With a focus on personalization, Allstate's policies in Clay average between $920 and $1,180 annually.
  • Progressive: Often appealing to younger drivers, Progressive's rates usually fall between $870 and $1,100 annually.
  • Farmers Insurance: With a more localized approach, Farmers' rates range from $880 to $1,140 in Clay.

Analysis on Quotes, Rates & Agents

  • Quotes: The quotes provided by insurance companies often consider the make and model of the vehicle, driving history, and other personal factors. In Clay, it's advisable to shop around and obtain multiple quotes, as the price difference between the highest and lowest can be significant.
  • Rates: The aforementioned rates are averages, which means they can change based on specific factors like age, gender, marital status, and driving record. The rates in Clay are influenced by the city's demographics, traffic patterns, and accident statistics.
  • Agents: Local agents in Clay have a deep understanding of the community's needs. Building a personal relationship with an agent can lead to better policy recommendations and potentially better rates.

Factors Influencing Insurance Rates in Clay, AL

Several factors can influence insurance rates in any given area:

  • Traffic Volume and Accidents: Areas with higher traffic volume or a higher number of accidents typically see higher insurance rates. If Clay has busier intersections or areas prone to accidents, this can increase rates.
  • Vehicle Theft: If vehicle theft is prevalent in certain parts of Clay, rates can rise as insurers deem it a higher risk area.
  • Local Repair Costs: The cost of vehicle repairs, including labor and parts, can influence insurance rates. If these costs are higher in Clay compared to surrounding areas, it can reflect in the premiums.
  • Demographics: Age distribution can play a role. Cities with a higher percentage of younger drivers might see higher rates due to the perceived risk associated with inexperienced drivers.
  • Weather and Environmental Factors: Areas prone to severe weather conditions or natural disasters might have higher rates. If Clay experiences frequent storms or flooding, it could impact insurance costs.

Car insurance rates in Clay, AL are influenced by a blend of local factors, individual circumstances, and the broader market strategies of insurance companies. For residents, it's always beneficial to do thorough research, seek multiple quotes, and maintain a good driving record to ensure the best possible rates.

Factors that can influence the cost of car insurance in Clay, 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.

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

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

Clay Center Point Palmerdale Margaret Argo Grayson Valley
Average Insurance Rates $1,502 $1,423 $1,500 $1,471 $1,503 $1,448

Clay, 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 Clay, 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)
Clay $1,261 $1,065
Argo $1,107 $935
Palmerdale $1,481 $1,251
Trussville $1,618 $1,367
Pinson $933 $788
Grayson Valley $1,499 $1,266
Margaret $1,520 $1,284
Center Point $1,165 $984

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

Teenagers in Clay, 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 $4,874
20 Years $1,930
30 Years $1,486
40 Years $1,430
50 Years $1,324
60 Years $1,343
70 Years $1,563

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

Car owners in Clay, 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 $2,553 $451
3 Vehicles $3,830 $676
4 Vehicles $5,107 $901

Savings on 2 Vehicles bundle:$451

Savings on 3 Vehicles bundle:$676

Savings on 4 Vehicles bundle:$901

Clay, 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 Clay, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Clay $1,502 $2,663
Argo $1,503 $2,665
Palmerdale $1,500 $2,660
Trussville $1,575 $2,793
Pinson $1,460 $2,589
Grayson Valley $1,448 $2,567
Margaret $1,471 $2,608
Center Point $1,423 $2,523

Clay, 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) $1,289
Excellent (740-799) $1,471
Good (670-739) $1,565
Average (580-669) $2,042
Poor (300-579) $2,450

Clay, 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
Cynthia Stuman Allstate 4308 Center Point Rd, Pinson, 35126 (205) 681-5672
Ronald Hall Allstate 9729 Parkway E, Birmingham, 35215 (205) 833-5510
Jay Ellett State Farm 6662 Highway 75 Ste 111, Pinson, 35126-3200 205-680-FARM
Casey Mann State Farm 5950 Chalkville Mtn Rd Ste 114, Birmingham, 35235-8617 205-655-7222
Lamar Yarbrough Allstate 6421 S Chalkville Rd, Trussville, 35173 (205) 655-5820
Greenhalgh Insurance Agency Travelers 3144 CAHABA HEIGHTS RD, BIRMINGHAM, 35243 205-967-8800
Ronnie Rivera State Farm 1270 Ctr Pt Pkwy Ste A, Birmingham, 35215-6300 205-854-9999
David J Rosetta Agency Inc Nationwide 6401 Old Springville Rd Suite 117, Pinson, 35126 (205) 680-4349
Sidney K Brooks Nationwide 1275 Center Point Rd STE 200, Birmingham, 35215-6339 (205) 856-3563
Gurley-Cooke Agency Inc Travelers 285 CALUMET PKWY STE B, TRUSSVILLE, 35173 205-841-4444
Harris Fowler Insurance None 2841 Parkway-Suite 100 ,, Moody, 35004 (205) 683-2725

Clay, 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 +$66 $1,568
Driver's Failure In Showing Documents +$146 $1,648
Driving With An Expired Registration +$155 $1,657
Driving At A Considerably Slow Pace +$326 $1,828
Using A Cellphone While Driving +$344 $1,846
Running A Red Light +$350 $1,852
Speeding +$368 $1,870
Driving A Vehicle Without The Required Permission +$467 $1,969
Driving With An Expired/Suspended License +$1,012 $2,514

Clay, 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 $1,442
Active Disabling Device $1,442
Tracking Device $1,412
Passive Disabling Device $1,397