Coffee County Auto Insurance Rates, Quotes, Agents & Reviews in AL

Coffee County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Coffee County, 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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Coffee County, AL: Breaking Down Car Insurance Rates

Car insurance: a must-have, yet often riddled with perplexities. For residents of Coffee County, Alabama, this article seeks to shed light on the intricate nuances of car insurance rates, providing an overview of the market leaders, their pricing, and the pivotal role of agents, while also unmasking the local factors shaping these rates.

Top Competitors and Their Offerings

Here's a quick look at the significant insurance contenders in Coffee County:

  • State Farm: Often leading the charts, State Farm's annual rates in Coffee County generally oscillate between $920 to $1,240 for basic coverage.
  • GEICO: A favorite for its competitive pricing, GEICO’s rates for Coffee County typically span from $905 to $1,175 annually.
  • Allstate: Valued for bespoke offerings, Allstate's annual rates in Coffee County range from $930 to $1,205.
  • Progressive: Catering to a vast audience, Progressive's annual rates in Coffee County are estimated between $875 and $1,120.
  • Farmers Insurance: Leveraging its community-centric approach, Farmers Insurance charges between $910 to $1,150 annually in Coffee County.

Analysis on Quotes, Rates & Agents

  • Quotes: Think of a quote as a custom-tailored price tag, influenced by factors like the car you drive, your age, and your driving record. To clinch the best deal in Coffee County, compare multiple quotes – it’s akin to market research.
  • Rates: Beyond personal specifics, local dynamics in Coffee County play a pivotal role in molding rates. While the mentioned averages grant a reference, real-world premiums can vary substantially.
  • Agents: Local agents are akin to navigators in the insurance domain. Their intrinsic knowledge of Coffee County’s nuances, merged with a macro understanding of the insurance realm, can guide residents to the most fitting coverages and potentially better deals.

Factors Influencing Insurance Rates in Coffee County, AL

Several intertwined variables come into play when determining car insurance rates:

  • Traffic Volume and Accidents: Areas with higher traffic density or recurrent accidents naturally witness higher premiums. Specific roads or intersections in Coffee County known for frequent mishaps can escalate the overall rates.
  • Vehicle Theft: Elevated rates of vehicle theft in certain precincts of Coffee County can push premiums upwards.
  • Local Repair Costs: If vehicle repairs in Coffee County are pricier than surrounding locales, be it due to parts or labor, it will be mirrored in the insurance rates.
  • Demographics: If Coffee County has a significant concentration of younger drivers, the rates might be influenced upward due to the associated risk.
  • Environmental Factors: Regular environmental threats, be it storms, floods, or other natural challenges that Coffee County might be susceptible to, can also sway insurance rates.

For residents of Coffee County, AL, comprehending car insurance rates can be streamlined with systematic research, procuring a variety of quotes, building rapport with seasoned local agents, and maintaining a pristine driving record. This approach not only demystifies the enigma of car insurance but also sets the stage for obtaining value-rich coverage options.

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

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

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

Coffee County Enterprise New Brockton Jack Victoria Elba
Average Insurance Rates $1,477 $1,379 $1,413 $1,417 $1,429 $1,420

Coffee County, 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 Coffee County, 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)
Coffee County $2,853 $2,410
New Brockton $1,261 $1,065
Elba $2,441 $2,062
Enterprise $1,113 $940
Goodman $1,418 $1,198
Victoria $1,480 $1,250
Jack $1,235 $1,043
Kinston $1,458 $1,232

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

Teenagers in Coffee County, 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 $4,793
20 Years $1,898
30 Years $1,462
40 Years $1,406
50 Years $1,302
60 Years $1,321
70 Years $1,537

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

Car owners in Coffee County, 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 $2,540 $414
3 Vehicles $3,811 $620
4 Vehicles $5,081 $827

Savings on 2 Vehicles bundle:$414

Savings on 3 Vehicles bundle:$620

Savings on 4 Vehicles bundle:$827

Coffee County, 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 Coffee County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Coffee County $1,477 $2,619
New Brockton $1,413 $2,505
Elba $1,420 $2,518
Enterprise $1,379 $2,445
Goodman $1,420 $2,518
Victoria $1,429 $2,534
Jack $1,417 $2,512
Kinston $1,416 $2,511

Coffee County, 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) $1,267
Excellent (740-799) $1,447
Good (670-739) $1,539
Average (580-669) $2,008
Poor (300-579) $2,409

Coffee County, 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
Jenna Mack State Farm 209 N Us Highway 231, Ozark, 36360-4865 334-774-2020
Mary Grimes Farmers 1208 Rucker Blvd Ste B, Enterprise, 36330 (334) 347-2544
Southeast Insurance & Real Estate Travelers 416 N CLAXTON AVE, ELBA, 36323 334-897-3431
Jeremy Hilton State Farm 3 W Pointe Ct Ste C, Enterprise, 36330-1387 334-347-4500
Headland Insurance Agency Travelers 6 E CHURCH ST, HEADLAND, 36345 334-693-3351
Witherington Insurance Group Travelers 1200 ELBA HWY, TROY, 36079 334-566-1477
Boswell Ins Agcy None 707 W Simmons St, Elba, 36323 None

Coffee County, 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 $1,542
Driver's Failure In Showing Documents +$143 $1,620
Driving With An Expired Registration +$152 $1,629
Driving At A Considerably Slow Pace +$321 $1,798
Using A Cellphone While Driving +$338 $1,815
Running A Red Light +$344 $1,821
Speeding +$362 $1,839
Driving A Vehicle Without The Required Permission +$459 $1,936
Driving With An Expired/Suspended License +$995 $2,472

Coffee County, 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 $1,418
Active Disabling Device $1,418
Tracking Device $1,388
Passive Disabling Device $1,374