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