Coats Bend Auto Insurance Rates, Quotes, Agents & Reviews in AL

Coats Bend, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Coats Bend, 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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Coats Bend, AL: A Snapshot of Car Insurance Rates

Nestled in Alabama, Coats Bend is much like any other American city—its residents need car insurance. But what are the determinants that influence the rates in this locale? This article provides a snapshot of Coats Bend’s car insurance scene, taking you through competitors, their quotes, rate dynamics, and the significant role of insurance agents.

Top Competitors and Their Offerings

Understanding Coats Bend's insurance framework requires a glance at its major industry players and their typical pricing:

  • State Farm: A household name, State Farm’s rates for Coats Bend residents generally hover between $910 to $1,230 annually for standard coverages.
  • GEICO: A champion of cost-effectiveness, GEICO's rates in Coats Bend are typically pegged between $890 and $1,160 annually.
  • Allstate: Renowned for its customized packages, Allstate's premiums for Coats Bend residents usually oscillate between $920 and $1,190 annually.
  • Progressive: With its wide reach, Progressive's rates in Coats Bend are generally in the ballpark of $865 to $1,105 annually.
  • Farmers Insurance: Emphasizing local connections, Farmers Insurance's rates for the residents of Coats Bend are typically between $900 to $1,140.

Analysis on Quotes, Rates & Agents

  • Quotes: An insurance quote is essentially an approximation based on your unique profile, which includes aspects like the vehicle you drive, your age, and driving history. For Coats Bend residents, it's pivotal to gather multiple quotes to find the best fit.
  • Rates: Personal attributes primarily dictate rates, but local dynamics in Coats Bend play their part. While the averages mentioned provide a reference point, real-world premiums can differ significantly.
  • Agents: Local agents, with their finger on the pulse of Coats Bend's nuances and broad industry knowledge, can be instrumental in guiding residents to apt coverage options and potentially better rates.

Factors Influencing Insurance Rates in Coats Bend, AL

A melange of elements determines car insurance rates:

  • Traffic Volume and Accidents: Places known for dense traffic or frequent accidents might witness higher premiums. If Coats Bend has specific roads or intersections with higher accident rates, this could impact overall insurance rates.
  • Vehicle Theft: Areas with elevated vehicle theft rates often see an uptick in insurance premiums.
  • Local Repair Costs: If vehicle repairs, be it parts or labor, are more expensive in Coats Bend compared to neighboring locales, it might nudge premiums upward.
  • Demographics: A higher concentration of younger or potentially less-experienced drivers in Coats Bend might elevate insurance rates, given the risks associated with this group.
  • Environmental Factors: Natural phenomena, such as storms or other calamities that Coats Bend may be susceptible to, can also influence rates.

Car insurance rates in Coats Bend, AL, though multifaceted, can be understood and optimized with a structured approach. For locals, this means investing time in research, comparing a range of quotes, forging ties with reputable local agents, and maintaining a stellar driving record. By following this roadmap, the maze of car insurance becomes much easier to navigate.

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

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

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

Coats Bend Tidmore Bend Wills Valley Ballplay Hokes Bluff Turkeytown
Average Insurance Rates $1,408 $1,423 $1,406 $1,390 $1,447 $1,425

Coats Bend, 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 Coats Bend, 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)
Coats Bend $1,551 $1,310
Turkeytown $1,690 $1,428
Tidmore Bend $1,689 $1,427
Lookout Mountain $1,506 $1,272
Hokes Bluff $1,214 $1,026
Ballplay $1,893 $1,599
Reece City $1,286 $1,087
Wills Valley $1,350 $1,141

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

Teenagers in Coats Bend, 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 $4,569
20 Years $1,809
30 Years $1,393
40 Years $1,341
50 Years $1,242
60 Years $1,259
70 Years $1,465

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

Car owners in Coats Bend, 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 $2,450 $366
3 Vehicles $3,675 $549
4 Vehicles $4,900 $732

Savings on 2 Vehicles bundle:$366

Savings on 3 Vehicles bundle:$549

Savings on 4 Vehicles bundle:$732

Coats Bend, 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 Coats Bend, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Coats Bend $1,408 $2,496
Turkeytown $1,425 $2,527
Tidmore Bend $1,423 $2,523
Lookout Mountain $1,436 $2,546
Hokes Bluff $1,447 $2,566
Ballplay $1,390 $2,464
Reece City $1,448 $2,567
Wills Valley $1,406 $2,493

Coats Bend, 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) $1,208
Excellent (740-799) $1,379
Good (670-739) $1,467
Average (580-669) $1,914
Poor (300-579) $2,297

Coats Bend, 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
Paul Harris State Farm 915 W Meighan Blvd, Gadsden, 35901-3327 256-547-5754
Scott Blackstone Allstate 215 N 3rd St, Gadsden, 35901 (256) 543-8950
Rick Hester State Farm 210 Bay St, Gadsden, 35901-5231 256-547-0533
Todd Davis State Farm 736 Walnut St, Gadsden, 35901-4139 256-546-3343
Andrew Anderton Allstate 538 Main St W, Glencoe, 35905 (256) 494-8240
Roger Hedgepeth State Farm 4 Justice St S, Crossville, 35962 256-528-7111
Blaise Jarecki State Farm 1100 E Meighan Blvd, Gadsden, 35903-1902 256-494-9850
Billy Kemp Allstate 430a George Wallace Dr, Gadsden, 35903 (256) 365-8805
Randy Jones & Associates Inc Nationwide 301 South Fifth Street, Gadsden, 35901-4223 (256) 543-9594

Coats Bend, 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 $1,470
Driver's Failure In Showing Documents +$137 $1,545
Driving With An Expired Registration +$145 $1,553
Driving At A Considerably Slow Pace +$306 $1,714
Using A Cellphone While Driving +$322 $1,730
Running A Red Light +$328 $1,736
Speeding +$345 $1,753
Driving A Vehicle Without The Required Permission +$438 $1,846
Driving With An Expired/Suspended License +$949 $2,357

Coats Bend, 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 $1,352
Active Disabling Device $1,352
Tracking Device $1,324
Passive Disabling Device $1,309