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