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

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

Zimlon, through its research, found that car owners in Cloverdale, 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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Debunking Car Insurance Rates in Cloverdale, AL

Car insurance is more than a protective shield against unforeseen road events—it's a reflection of a multitude of factors that culminate in the rate you pay. In Cloverdale, Alabama, drivers often ponder the makeup of these rates. This article aims to "debunk" the enigma of car insurance, breaking down competitors, rate dynamics, and the invaluable role of agents.    

Top Competitors and Their Offerings

Firstly, understanding the market means identifying its primary participants. Here's an overview of leading competitors in Cloverdale and their typical price brackets:

  • State Farm: A longstanding pillar in the industry, State Farm’s Cloverdale rates span from $920 to $1,240 annually for basic packages.
  • GEICO: Famed for affordability, GEICO's Cloverdale rates are generally between $900 and $1,165 annually.
  • Allstate: With a flair for custom-tailored coverage, Allstate's premiums in Cloverdale circle around $935 to $1,195 annually.
  • Progressive: Catering to diverse demographics, Progressive's Cloverdale rates fluctuate between $875 and $1,115 annually.
  • Farmers Insurance: With its grassroots approach, Farmers Insurance's rates in Cloverdale typically oscillate between $905 to $1,130.

Analysis on Quotes, Rates & Agents

  • Quotes: A quote is an insurer's estimate, dependent on aspects like your vehicle's specs, your driving record, and age. To ensure optimal coverage at competitive rates in Cloverdale, collating and comparing multiple quotes is paramount.
  • Rates: While your personal details significantly mold rates, local factors in Cloverdale also influence them. The provided averages give a general sense, but specific rates can diverge widely.
  • Agents: Local agents serve as the linchpin in the insurance ecosystem. Their profound grasp of Cloverdale's specifics and broad industry know-how can yield personalized advice and potentially better rate offerings.

Factors Influencing Insurance Rates in Cloverdale, AL

Several elements intertwine to shape your quoted rate:

  • Traffic Volume and Accidents: Zones with heavy traffic or a history of frequent accidents often see escalated insurance premiums. In Cloverdale, accident-prone roads or intersections can directly affect the collective insurance rates.
  • Vehicle Theft: Parts of Cloverdale with notable vehicle theft rates can expect surges in insurance premiums.
  • Local Repair Costs: If repairing vehicles in Cloverdale—be it parts or labor—proves pricier than neighboring areas, this difference reflects in insurance premiums.
  • Demographics: A demographic skew towards younger or novice drivers in Cloverdale might lead to increased rates due to the inherent risks of this group.
  • Environmental Factors: Regular occurrences like storms or any unique environmental risks Cloverdale might face can also sway insurance rates.

The car insurance rates in Cloverdale, AL, while intricate, can be demystified with an informed approach. For locals, the recipe for success involves thorough research, procuring diverse quotes, nurturing relationships with local agents, and maintaining an admirable driving history. Equipped with these insights, the road to understanding—and optimizing—car insurance becomes a smoother ride.

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

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

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

Cloverdale Florence Iron City Oakland Waterloo Underwood-Petersville
Average Insurance Rates $1,441 $1,350 $1,336 $1,465 $1,422 $1,432

Cloverdale, 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 Cloverdale, 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)
Cloverdale $1,281 $1,082
Underwood-Petersville $1,172 $990
Lauderdale County $1,445 $1,221
Florence $1,522 $1,286
Oakland $1,713 $1,447
St. Florian $1,332 $1,125
Iron City $1,413 $1,194
Waterloo $2,750 $2,323

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

Teenagers in Cloverdale, 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 $4,676
20 Years $1,852
30 Years $1,426
40 Years $1,372
50 Years $1,271
60 Years $1,288
70 Years $1,500

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

Car owners in Cloverdale, 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 $2,479 $403
3 Vehicles $3,718 $605
4 Vehicles $4,957 $807

Savings on 2 Vehicles bundle:$403

Savings on 3 Vehicles bundle:$605

Savings on 4 Vehicles bundle:$807

Cloverdale, 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 Cloverdale, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Cloverdale $1,441 $2,555
Underwood-Petersville $1,432 $2,539
Lauderdale County $1,454 $2,578
Florence $1,350 $2,394
Oakland $1,465 $2,597
St. Florian $1,506 $2,670
Iron City $1,336 $2,393
Waterloo $1,422 $2,521

Cloverdale, 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) $1,236
Excellent (740-799) $1,411
Good (670-739) $1,502
Average (580-669) $1,959
Poor (300-579) $2,350

Cloverdale, 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
Steve Pierce State Farm 3001 Cloverdale Rd, Florence, 35633-1477 256-764-2285
Parke Cochran State Farm 883 Cox Creek Pkwy, Florence, 35630-1003 256-767-4790
Britt Blanton State Farm 365 Highway 72 Ste 2, Killen, 35645-2841 256-757-1169
Vincent Lindsey Allstate 964 Cox Creek Pkwy, Florence, 35633 (256) 712-5379
Teresa Rogers Allstate 101 E Hollywood Ave, Muscle Shoals, 35661 (256) 389-8970
Tom Jones Insurance Travelers 106 N. Main St., Tuscumbia, 35674 None
Associated Insurors Liberty Mutual Independent 121 Yorkshire Circle, Florence, 35630 None
Jason Parker State Farm 2506 Avalon Avenue, Muscle Shoals, 35661-3124 256-381-3434
Tennessee Valley Associates Llc Travelers 1312 N WOOD AVE, FLORENCE, 35630 256-766-2222

Cloverdale, 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 $1,504
Driver's Failure In Showing Documents +$140 $1,581
Driving With An Expired Registration +$148 $1,589
Driving At A Considerably Slow Pace +$313 $1,754
Using A Cellphone While Driving +$330 $1,771
Running A Red Light +$336 $1,777
Speeding +$353 $1,794
Driving A Vehicle Without The Required Permission +$448 $1,889
Driving With An Expired/Suspended License +$971 $2,412

Cloverdale, 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 $1,383
Active Disabling Device $1,383
Tracking Device $1,355
Passive Disabling Device $1,340