Coffeeville Auto Insurance Rates, Quotes, Agents & Reviews in AL

Coffeeville, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Coffeeville, 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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An Insightful Exploration of Car Insurance Rates in Coffeeville, AL

Coffeeville, AL, with its unique character and charm, also holds its own distinct features when it comes to car insurance rates. This article delves deep into the framework of car insurance within Coffeeville, showcasing top competitors, breaking down the concept of quotes, rates, and the irreplaceable role of insurance agents, and spotlighting the unique factors that set the tone for insurance rates in this city.

Top Competitors and Their Offerings

Let’s start by taking a glimpse at the big players in the insurance market in Coffeeville:

  • State Farm: Often hailed as the industry leader, State Farm's rates for Coffeeville residents usually range from $900 to $1,230 annually for standard coverage packages.
  • GEICO: Known for its wallet-friendly policies, GEICO’s rates in Coffeeville typically swing between $885 and $1,160 annually.
  • Allstate: Priding itself on tailor-made solutions, Allstate's premiums for Coffeeville range from $915 to $1,190 annually.
  • Progressive: Catering to a vast demographic, Progressive’s rates in Coffeeville are generally in the range of $860 to $1,105 annually.
  • Farmers Insurance: Leveraging its local-centric model, Farmers Insurance's rates for Coffeeville locals are generally between $890 and $1,135 annually.

Analysis on Quotes, Rates & Agents

  • Quotes: In the simplest terms, an insurance quote is a projected cost of insuring your vehicle, determined by factors like the type and age of your vehicle, your driving record, and more. For optimal deals in Coffeeville, collecting multiple quotes is indispensable.
  • Rates: While personal factors play a pivotal role, localized dynamics in Coffeeville also shape the final rate. The mentioned figures offer a general overview, but the exact rate can diverge significantly based on individual circumstances.
  • Agents: Local agents are the bridge between customers and insurance companies. Their intimate knowledge of Coffeeville’s characteristics combined with broader industry insights can guide residents to apt coverage and potentially more favorable rates.

Factors Influencing Insurance Rates in Coffeeville, AL

Several variables intertwine to determine the premium on that quote:

  • Traffic Volume and Accidents: Areas known for heavy traffic or frequent accidents often command higher premiums. If Coffeeville has roads or intersections with high accident rates, this can influence overall rates.
  • Vehicle Theft: Localities with higher instances of vehicle theft can naturally witness elevated premiums.
  • Local Repair Costs: If getting your car repaired in Coffeeville is more expensive, either due to parts or labor, compared to neighboring areas, it will reflect in higher premiums.
  • Demographics: If Coffeeville is home to a large number of younger or potentially riskier drivers, it can push the rates up.
  • Environmental Factors: Natural events, such as floods or storms, to which Coffeeville might be vulnerable, can also play a role in determining rates.

Understanding car insurance rates in Coffeeville, AL, is a blend of recognizing city-specific factors, being diligent in research, obtaining multiple quotes, establishing relationships with trusted agents, and fostering a commendable driving record. By navigating this multi-faceted process, the intricacies of car insurance transform from a riddle into a more approachable subject, opening doors to balanced and value-packed coverage options.

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

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

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

Coffeeville Silas Cullomburg Jackson Toxey Thomasville
Average Insurance Rates $1,412 $1,379 $1,449 $1,433 $1,431 $1,436

Coffeeville, 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 Coffeeville, 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)
Coffeeville $1,412 $1,193
Putnam $2,001 $1,690
Thomasville $1,617 $1,366
Silas $1,386 $1,171
Choctaw County $1,243 $1,050
Toxey $2,167 $1,830
Cullomburg $1,903 $1,608
Jackson $1,695 $1,432

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

Teenagers in Coffeeville, 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 $4,582
20 Years $1,814
30 Years $1,397
40 Years $1,345
50 Years $1,245
60 Years $1,262
70 Years $1,469

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

Car owners in Coffeeville, 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 $2,400 $424
3 Vehicles $3,601 $635
4 Vehicles $4,801 $847

Savings on 2 Vehicles bundle:$424

Savings on 3 Vehicles bundle:$635

Savings on 4 Vehicles bundle:$847

Coffeeville, 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 Coffeeville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Coffeeville $1,412 $2,504
Putnam $1,943 $3,445
Thomasville $1,436 $2,546
Silas $1,379 $2,445
Choctaw County $1,390 $2,464
Toxey $1,431 $2,537
Cullomburg $1,449 $2,569
Jackson $1,433 $2,541

Coffeeville, 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) $1,211
Excellent (740-799) $1,383
Good (670-739) $1,471
Average (580-669) $1,920
Poor (300-579) $2,303

Coffeeville, 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
Insurance Express Allstate 12729 Highway 17, Gilbertown, 36908 (251) 843-2299
Deas Insurance Agency Inc Travelers 197 S JACKSON ST, GROVE HILL, 36451 251-275-3141
Dansby Evans Skipper Allstate 118 S Mulberry Ave, Butler, 36904 (205) 459-3411
Ezell & Skipper Insurance Agencies Travelers 118 S MULBERRY STREET, BUTLER, 36904 205-459-3411
Ron Lonergan State Farm 55 Pelham Street, Chatom, 36518-1149 251-847-3150
Stuart Richeson State Farm 17 W Claiborne St, Monroeville, 36460-1807 251-575-2096

Coffeeville, 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 $1,474
Driver's Failure In Showing Documents +$137 $1,549
Driving With An Expired Registration +$145 $1,557
Driving At A Considerably Slow Pace +$306 $1,718
Using A Cellphone While Driving +$323 $1,735
Running A Red Light +$329 $1,741
Speeding +$346 $1,758
Driving A Vehicle Without The Required Permission +$439 $1,851
Driving With An Expired/Suspended License +$952 $2,364

Coffeeville, 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 $1,356
Active Disabling Device $1,356
Tracking Device $1,327
Passive Disabling Device $1,313