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