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.
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 Rates
- Clay County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Clay County, AL
- Multi Vehicle Insurance Savings in Clay County, AL
- How Credit Score Affects Car Insurance Rates in Clay County, AL
- How DUI Affects Auto Insurance Premiums in Clay County, AL
- Top Auto Insurance Agents Near Clay County, AL
- How Driving Violations Affect Auto Insurance Rates in Clay County, AL
- Clay County, AL Auto Insurance Discounts on Anti Theft Feature
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 |