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

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

Zimlon, through its research, found that car owners in Coaling, 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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Grasping the Basics of Car Insurance Rates in Coaling, AL

For many drivers, car insurance is often viewed as a necessary but complicated requirement. In Coaling, Alabama, understanding the intricacies of car insurance rates can be an invaluable asset in making informed decisions. In this article, we'll delve into the fundamentals of these rates, examining competitors, the essence of quotes, rates, agents, and the various factors that influence the rates in Coaling.

Top Competitors and Their Offerings

Firstly, a snapshot of the key players and their typical pricing in Coaling's insurance landscape:

  • State Farm: A renowned name, State Farm’s Coaling rates generally range between $900 to $1,220 annually for standard packages.
  • GEICO: Always a popular choice for those looking for value, GEICO’s rates in Coaling typically span from $880 to $1,155 annually.
  • Allstate: Known for personalized packages, Allstate's rates in Coaling often vary between $915 to $1,180 annually.
  • Progressive: Serving a wide audience, Progressive's rates in Coaling usually sit between $860 and $1,100 annually.
  • Farmers Insurance: Focusing on local touchpoints, Farmers' rates in Coaling are often pegged between $885 to $1,125.

Analysis on Quotes, Rates & Agents

  • Quotes: A quote is essentially an insurance price estimate based on your specific profile, which includes your vehicle, age, and driving record. For those in Coaling, gathering multiple quotes and juxtaposing them can be the first step towards an optimal insurance package.
  • Rates: While personal details are fundamental, local factors in Coaling also mold insurance rates. While the above averages offer a rough idea, actual rates can differ considerably based on a range of factors.
  • Agents: Local agents are a treasure trove of insights. Their deep-rooted understanding of Coaling combined with industry expertise ensures that residents can receive tailor-made advice, often leading to more favorable rates.

Factors Influencing Insurance Rates in Coaling, AL

Multiple variables come into play when determining your car insurance rate:

  • Traffic Volume and Accidents: Areas known for congested traffic or recurrent accidents naturally have higher insurance premiums. If Coaling has specific roads or junctions notorious for accidents, it could nudge the overall rates upward.
  • Vehicle Theft: Regions with pronounced vehicle theft incidents will likely have elevated insurance premiums.
  • Local Repair Costs: If the costs associated with vehicle repairs, considering both parts and labor, are high in Coaling relative to other areas, it will be reflected in insurance rates.
  • Demographics: Areas with a larger concentration of younger or inexperienced drivers might have increased insurance rates due to the associated risks.
  • Environmental Factors: Events like frequent storms or other environmental concerns in Coaling can also play a role in shaping insurance premiums.

Car insurance rates in Coaling, AL, though layered, become much more navigable when approached methodically. For residents, this entails thorough research, securing diverse quotes, building relationships with seasoned local agents, and fostering an unblemished driving record. With these pillars in place, not only will the puzzle of car insurance rates unravel, but chances of landing a great deal will also significantly increase.

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

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

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

Coaling Tuscaloosa Coaling-Vance Vance Brookwood Holt
Average Insurance Rates $1,479 $1,404 $1,463 $1,463 $1,431 $1,387

Coaling, 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 Coaling, 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)
Coaling $1,669 $1,409
Coaling-Vance $1,513 $1,278
Vance $1,981 $1,673
Holt $1,913 $1,616
Brookwood $1,374 $1,161
Big Sandy-Duncanville $1,722 $1,455
Tuscaloosa $948 $800
Woodstock $1,250 $1,056

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

Teenagers in Coaling, 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 $4,799
20 Years $1,900
30 Years $1,464
40 Years $1,408
50 Years $1,304
60 Years $1,322
70 Years $1,539

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

Car owners in Coaling, 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 $2,603 $355
3 Vehicles $3,905 $532
4 Vehicles $5,206 $710

Savings on 2 Vehicles bundle:$355

Savings on 3 Vehicles bundle:$532

Savings on 4 Vehicles bundle:$710

Coaling, 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 Coaling, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Coaling $1,479 $2,622
Coaling-Vance $1,463 $2,594
Vance $1,463 $2,594
Holt $1,387 $2,459
Brookwood $1,431 $2,537
Big Sandy-Duncanville $1,481 $2,626
Tuscaloosa $1,404 $2,489
Woodstock $1,441 $2,555

Coaling, 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) $1,269
Excellent (740-799) $1,448
Good (670-739) $1,541
Average (580-669) $2,011
Poor (300-579) $2,412

Coaling, 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
Townsend Agency Allstate 2620 Skyland Blvd E, Tuscaloosa, 35405 (205) 561-5377
Tracey Sova State Farm 4151 University Blvd E, Tuscaloosa, 35404-4459 205-554-1455
Terra Dillard Farmers 2710b Skyland Blvd E, Tuscaloosa, 35405 (205) 556-5175
Trustway Travelers 1837 MONTGOMERY HIGHWAY SOUTH SUITE 105, HOOVER, 35244 205-451-1945
Ins Ctr Of Tuscaloosa Inc Travelers 2105 JACK WARNER PKWAY, TUSCALOOSA, 35401 205-752-0486
Harris Insurance Inc Travelers 1400 PINSON VALLEY PKY, BIRMINGHAM, 35217 205-849-0000
Alabama Motorists Assoc. Inc Travelers 2400 ACTON RD, BIRMINGHAM, 35243 205-444-8813
Greg Silvester State Farm 4628 Montevallo Rd Ste 102, Irondale, 35210-3100 205-502-7416
Maurice Oliver State Farm 105 Park Rd, Pleasant Grv, 35127-1820 205-744-0670
Mwa Holdings, Inc. Dba Insurance Place None 2225 Cahaba Valley Dr , Birmingham, 35242 None

Coaling, 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 +$65 $1,544
Driver's Failure In Showing Documents +$143 $1,622
Driving With An Expired Registration +$152 $1,631
Driving At A Considerably Slow Pace +$321 $1,800
Using A Cellphone While Driving +$339 $1,818
Running A Red Light +$345 $1,824
Speeding +$362 $1,841
Driving A Vehicle Without The Required Permission +$460 $1,939
Driving With An Expired/Suspended License +$997 $2,476

Coaling, 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 $1,420
Active Disabling Device $1,420
Tracking Device $1,390
Passive Disabling Device $1,375