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

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

Zimlon, through its research, found that car owners in Collinsville, 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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Decoding Car Insurance Rates in Collinsville, AL

In the heart of Alabama, Colbert County presents its unique identity, and with it comes a distinct narrative regarding car insurance rates. This article is tailored to enlighten the residents of Colbert County about the significant competitors in the car insurance market, demystify the principles of quotes, rates, and agents, and shine a light on the predominant factors affecting their insurance rates.

Major Competitors and Their Offerings

To begin, let’s familiarize ourselves with the major market leaders serving Colbert County:

  • State Farm: A brand that resonates with many, State Farm's annual rates in Colbert County usually span from $905 to $1,235 for standard coverage.
  • GEICO: Famed for its cost-effective approach, GEICO’s annual rates in this county range from $875 to $1,150.
  • Allstate: Offering a plethora of customized policies, Allstate's annual rates in Colbert County typically fall between $920 and $1,210.
  • Progressive: Catering to a broad clientele, Progressive’s Colbert County rates are generally situated between $855 and $1,120 annually.
  • Farmers Insurance: Emphasizing community-centric strategies, Farmers Insurance offers annual rates in the ballpark of $885 to $1,125 for Colbert County residents.

Analysis on Quotes, Rates & Agents

  • Quotes: Simply put, a quote is the estimated cost of your insurance based on variables such as your car type, driving record, and more. For Colbert County residents to ensure the best value, it’s imperative to gather multiple quotes for comparison.
  • Rates: Personal characteristics play a big role in shaping rates, but local dynamics of Colbert County also significantly contribute. While the aforementioned figures provide a broad understanding, real-world rates can vary substantially.
  • Agents: Local agents stand as a bridge, linking residents with insurance firms. Their profound understanding of Colbert County, combined with their industry insights, can lead individuals to not only apt coverage but also potentially better rates.

Factors Influencing Insurance Rates in Colbert County, AL

Several dynamics, both personal and related to the county, determine the cost of your insurance:

  • Traffic and Accident Rates: Areas with notorious traffic or high accident frequencies typically witness elevated insurance rates. If Colbert County has such hotspots, this can influence the overall rates.
  • Vehicle Theft: A higher occurrence of vehicle theft in the county can directly correlate with a spike in insurance premiums.
  • Repair Costs: If vehicle repairs in Colbert County come at a steeper price, be it due to parts or labor, it will inherently push premiums higher.
  • Demographics: A demographic skewed towards younger or potentially riskier drivers in the county can naturally increase the rates.
  • Environmental Threats: If Colbert County is susceptible to frequent natural calamities or specific environmental hazards, it may result in slightly higher premiums.

Navigating the waters of car insurance in Colbert County, AL, becomes much more manageable with a foundational understanding of the system. Armed with knowledge about major competitors, the intricacies of quotes and rates, and the invaluable role of agents, residents can confidently make informed choices, ensuring they get optimal coverage without overshooting their budget.

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

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

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

Collinsville Leesburg Sand Rock Wills Valley Whitesboro Crossville
Average Insurance Rates $1,408 $1,474 $1,486 $1,406 $1,401 $1,389

Collinsville, 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 Collinsville, 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)
Collinsville $2,423 $2,046
Crossville $1,431 $1,208
Sand Rock $1,279 $1,081
Lookout Mountain $1,506 $1,272
Wills Valley $1,350 $1,141
Leesburg $1,511 $1,276
Whitesboro $1,251 $1,057
Geraldine $1,443 $1,219

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

Teenagers in Collinsville, 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

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

Car owners in Collinsville, 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 $2,478 $338
3 Vehicles $3,717 $507
4 Vehicles $4,956 $676

Savings on 2 Vehicles bundle:$338

Savings on 3 Vehicles bundle:$507

Savings on 4 Vehicles bundle:$676

Collinsville, 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 Collinsville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Collinsville $1,408 $2,496
Crossville $1,389 $2,463
Sand Rock $1,486 $2,635
Lookout Mountain $1,436 $2,546
Wills Valley $1,406 $2,493
Leesburg $1,474 $2,613
Whitesboro $1,401 $2,484
Geraldine $1,416 $2,511

Collinsville, 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

Collinsville, 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
Michael Higdon Allstate 319a Al Highway 75 N, Albertville, 35951 (256) 878-8787
Roger Hedgepeth State Farm 4 Justice St S, Crossville, 35962 256-528-7111
Mike Alfred State Farm 507 W Meighan Blvd, Gadsden, 35901-3301 256-547-7588
Steve Burgess Allstate 456 US Highway 431, Boaz, 35957 (256) 593-7031
Goggans Insurance Agency Travelers 363 MAIN STREET WEST, RAINSVILLE, 35986 256-638-3218
Willis Of Alabama Inc Travelers 4725 WHITESBURG DR SUITE 202, HUNTSVILLE, 35802 256-882-6544
Gary Smith Farmers 180 Old Highway 431 Ste E, Hampton Cove, 35763 (256) 319-2039

Collinsville, 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

Collinsville, 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