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

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

Zimlon, through its research, found that car owners in Clayhatchee, 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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A Comprehensive Study of Car Insurance Rates in Clayhatchee, AL

Clayhatchee, a charming city in Alabama, like many other regions, demands a thorough understanding when it comes to car insurance rates. This article seeks to provide a comprehensive analysis of these rates, shedding light on top competitors, the intricacies of quotes, rates, and the indispensable role of agents.

Top Competitors and Their Offerings

For the sake of representation, we've handpicked the leading insurance providers based on their market influence and the general price brackets they cater to in Clayhatchee:

  • State Farm: With a reputation that precedes them, State Farm's annual rates in Clayhatchee typically hover between $910 to $1,230 for standard coverage.
  • GEICO: Popular for its competitive edge, GEICO’s insurance rates in Clayhatchee fluctuate within the range of $870 and $1,190.
  • Allstate: Renowned for their customized packages, Allstate's premium rates average between $925 and $1,205 annually in the city.
  • Progressive: Catering to various demographics, Progressive sets its rates for Clayhatchee residents between $885 and $1,120 annually.
  • Farmers Insurance: With its roots firmly embedded in community service, Farmers’ insurance packages for Clayhatchee usually fall between $895 and $1,150.

Analysis on Quotes, Rates & Agents

  • Quotes: Acquiring an insurance quote is essentially a snapshot of what one might expect to pay based on certain variables. Factors such as car make and model, driving history, and even age can drastically alter the quote. It’s imperative for residents of Clayhatchee to gather multiple quotes to secure the most optimal deal.
  • Rates: Beyond the individual determinants, rates are also influenced by regional factors. The mentioned averages are general guidelines, with individual rates varying considerably depending on numerous determinants.
  • Agents: Local agents serve as a bridge between the residents of Clayhatchee and the insurance world. Their insights into the city's dynamics, coupled with industry knowledge, often result in tailored advice and competitive rates.

Factors Influencing Insurance Rates in Clayhatchee, AL

Here's a breakdown of key factors:

  • Traffic Volume and Accidents: Areas with denser traffic or higher accident rates typically bear heftier insurance premiums. Key intersections or roads in Clayhatchee known for their traffic or accident history will play a role in determining rates.
  • Vehicle Theft: Localities with higher vehicle theft rates will naturally attract higher insurance premiums.
  • Local Repair Costs: If car repair, be it labor or parts, is more expensive in Clayhatchee compared to neighboring areas, it will be mirrored in the insurance rates.
  • Demographics: Regions with more young or novice drivers might see a spike in rates due to the perceived risks associated with less experienced motorists.
  • Environmental Factors: If Clayhatchee is susceptible to natural calamities like floods or hurricanes, it can cause an uptick in rates.

Car insurance rates in Clayhatchee, AL, might seem intricate, but they are shaped by a blend of personal, local, and company-specific factors. For those residing in Clayhatchee, the key to demystifying this complex realm lies in in-depth research, garnering multiple quotes, nurturing relationships with local agents, and sustaining a sterling driving record.

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

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

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

Clayhatchee Hartford Fort Rucker Bellwood-Coffee Springs Geneva County Daleville
Average Insurance Rates $1,425 $1,433 $1,962 $1,445 $1,411 $1,441

Clayhatchee, 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 Clayhatchee, 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)
Clayhatchee $1,476 $1,247
Daleville $1,988 $1,679
Level Plains $1,834 $1,549
Newton $2,274 $1,921
Fort Rucker $2,021 $1,707
Geneva County $1,621 $1,369
Hartford $1,483 $1,253
Bellwood-Coffee Springs $1,438 $1,215

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

Teenagers in Clayhatchee, 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 $4,624
20 Years $1,831
30 Years $1,410
40 Years $1,357
50 Years $1,257
60 Years $1,274
70 Years $1,483

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

Car owners in Clayhatchee, 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 $2,508 $342
3 Vehicles $3,762 $513
4 Vehicles $5,016 $684

Savings on 2 Vehicles bundle:$342

Savings on 3 Vehicles bundle:$513

Savings on 4 Vehicles bundle:$684

Clayhatchee, 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 Clayhatchee, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Clayhatchee $1,425 $2,527
Daleville $1,441 $2,555
Level Plains $1,498 $2,656
Newton $1,416 $2,511
Fort Rucker $1,962 $3,479
Geneva County $1,411 $2,502
Hartford $1,433 $2,541
Bellwood-Coffee Springs $1,445 $2,562

Clayhatchee, 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) $1,223
Excellent (740-799) $1,396
Good (670-739) $1,485
Average (580-669) $1,937
Poor (300-579) $2,324

Clayhatchee, 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
Michael Cornett State Farm 806 Boll Weevil Cir, Enterprise, 36330-2079 334-347-3276
Mark Goodson Allstate 804 Boll Weevil Cir, Enterprise, 36330 (334) 347-3333
Rod Grimmer State Farm 3124 W Main St Ste 2, Dothan, 36305-1181 334-793-6241
Brad Snellgrove Allstate 702 S Main St, Enterprise, 36330 (334) 475-4448
Circle Insurance Agency Inc Travelers 863 ANDREWS AVE, OZARK, 36360 334-774-7177
Enterprise Insurance Services Llc Travelers 730 GLOVER AVE, ENTERPRISE, 36330 334-347-9133
Witherington Ins Grp Allstate 1200 Elba Hwy, Troy, 36079 (334) 566-1477

Clayhatchee, 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 +$63 $1,488
Driver's Failure In Showing Documents +$138 $1,563
Driving With An Expired Registration +$147 $1,572
Driving At A Considerably Slow Pace +$309 $1,734
Using A Cellphone While Driving +$326 $1,751
Running A Red Light +$332 $1,757
Speeding +$349 $1,774
Driving A Vehicle Without The Required Permission +$443 $1,868
Driving With An Expired/Suspended License +$960 $2,385

Clayhatchee, 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 $1,368
Active Disabling Device $1,368
Tracking Device $1,340
Passive Disabling Device $1,325