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

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

Zimlon, through its research, found that car owners in Clay County, 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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Unveiling the Mysteries of Car Insurance Rates in Clay County, AL

Car insurance, while a necessity for drivers, can often seem wrapped in a veil of mystery, especially when it comes to how rates are determined. In Clay County, Alabama, as in many areas, understanding the factors that affect these rates can lead to better-informed decisions. Let's delve into the enigma of car insurance rates in Clay County.

Top Competitors and Their Offerings

Based on market presence and reputation, the top competitors in Clay County, AL, and the general price range they offer are:

  • State Farm: As a national leader, State Farm's rates in Clay County typically range between $920 to $1,250 annually for standard policies.
  • GEICO: Widely recognized for their competitive pricing, GEICO's rates in Clay County generally fluctuate between $880 and $1,200 annually.
  • Allstate: With tailored options, Allstate's insurance prices average between $930 and $1,210 annually in the county.
  • Progressive: Catering to a diverse audience, Progressive’s rates for Clay County residents are between $890 and $1,130 annually.
  • Farmers Insurance: Adopting a community-centric approach, Farmers' insurance packages in Clay County range from $900 to $1,160.

Analysis on Quotes, Rates & Agents

  • Quotes: The insurance quotes one receives are influenced by various personal factors. For instance, the type of car one drives, their driving history, and even credit scores can impact the quote. Residents of Clay County should gather multiple quotes to compare and ensure the best deal.
  • Rates: Rates are not solely dictated by the insurer. Local factors, such as the county's accident statistics, can significantly sway rates. Remember, the averages provided above are just that - averages. Rates can vary significantly based on individual details.
  • Agents: Local agents are invaluable assets for Clay County residents. Their on-ground understanding of the locale, coupled with their industry knowledge, often translates to tailored advice and potentially better deals.

Factors Influencing Insurance Rates in Clay County, AL

Several elements play into the determination of insurance rates:

  • Traffic Volume and Accidents: High traffic regions or areas with increased accident rates typically demand higher insurance premiums. Parts of Clay County that are traffic hotspots or accident-prone will influence overall rates.
  • Vehicle Theft: Regions with elevated vehicle theft rates can also see a spike in insurance rates due to heightened risks.
  • Local Repair Costs: If car repair costs in Clay County, both labor, and parts, are higher than neighboring counties, this can elevate insurance rates.
  • Demographics: Areas with a larger proportion of younger or inexperienced drivers might see a rate boost.
  • Environmental Factors: Clay County's susceptibility to certain natural occurrences, such as tornadoes or floods, can also impact rates.

While car insurance rates in Clay County, AL, may seem mystifying at first, a closer examination reveals a complex interplay of personal, local, and broader market factors. For residents, the key to navigating this intricate realm lies in diligent research, acquiring multiple quotes, fostering relationships with local agents, and maintaining a commendable driving record.

Factors that can influence the cost of car insurance in Clay County, 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 County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Clay County Lineville Waldo Millerville Hackneyville Ashland
Average Insurance Rates $1,413 $1,436 $1,392 $1,340 $1,448 $1,408

Clay County, 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 County, 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 County $1,529 $1,291
Ashland $1,433 $1,210
Millerville $2,577 $2,177
Lineville $1,247 $1,054
Millerville-Hollins $1,483 $1,253
Waldo $1,292 $1,091
Goldville $1,785 $1,508
Hackneyville $1,420 $1,200

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

Teenagers in Clay County, 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 $4,585
20 Years $1,816
30 Years $1,398
40 Years $1,345
50 Years $1,246
60 Years $1,263
70 Years $1,471

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

Car owners in Clay County, 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 $2,430 $396
3 Vehicles $3,646 $593
4 Vehicles $4,861 $791

Savings on 2 Vehicles bundle:$396

Savings on 3 Vehicles bundle:$593

Savings on 4 Vehicles bundle:$791

Clay County, 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 County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Clay County $1,413 $2,505
Ashland $1,408 $2,496
Millerville $1,340 $2,376
Lineville $1,436 $2,546
Millerville-Hollins $1,371 $2,431
Waldo $1,392 $2,468
Goldville $1,733 $3,073
Hackneyville $1,448 $2,567

Clay County, 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) $1,212
Excellent (740-799) $1,384
Good (670-739) $1,472
Average (580-669) $1,921
Poor (300-579) $2,305

Clay County, 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
Mike Coleman State Farm 86401 Highway 9, Lineville, 36266-6953 256-354-2272
Talladega Insurance Agency Travelers 109 N Spring St, Talladega, 35160 None
Doug Camp State Farm 719b Battle St E, Talladega, 35160-2546 256-362-4930
Jodie Scofield Liberty Mutual 100 Corporate Parkway Suite 225, Birmingham, 35242 1-205-995-9883
Jerry Mcgaha Farmers 198 Narrows Dr Ste 105, Birmingham, 35242 (205) 981-2535
Marnie Erdman Allstate 13521 Old Highway 280 Ste 129, Birmingham, 35242 (205) 981-3000
Wright-Sprayberry Ins Llc Travelers 120 Court Square , Ashland, 36251 None
Cahaba Insurance Agency Travelers 11 OFFICE PARK, TRUSSVILLE, 35173 205-655-4626
Ginger Copeland Lutcf Liberty Mutual 100 Corporate Parkway Suite 225, Birmingham, 35242 1-205-995-9883

Clay County, 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 $1,475
Driver's Failure In Showing Documents +$137 $1,550
Driving With An Expired Registration +$146 $1,559
Driving At A Considerably Slow Pace +$307 $1,720
Using A Cellphone While Driving +$324 $1,737
Running A Red Light +$329 $1,742
Speeding +$346 $1,759
Driving A Vehicle Without The Required Permission +$439 $1,852
Driving With An Expired/Suspended License +$952 $2,365

Clay County, 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 $1,328
Passive Disabling Device $1,314