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

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

Zimlon, through its research, found that car owners in Columbia, 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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Diving Into Car Insurance Rates in Columbia, AL

In the scenic setting of Columbia, Alabama, car insurance isn’t just a mandatory requirement; it's a necessity for every driver to ensure safety and protection. With a vast array of options available, how do Columbia residents choose the right insurer? This article explores the top competitors in the region, their offered rates, and the vital factors influencing insurance prices in this city.

Top Competitors and Their Rates

  • State Farm: With its reputation for excellent customer service, State Farm's average annual premiums in Columbia range from $1,250 to $1,450.
  • Geico: Recognized for its wide range of coverage options, Geico’s rates in Columbia are competitive, averaging between $1,150 and $1,350 annually.
  • Progressive: As a national player, Progressive's rates are in the range of $1,200 to $1,400 per year for a standard policy.
  • Allstate: Offering an array of discount possibilities, Allstate's average rates hover between $1,280 and $1,500 annually in the Columbia region.

Quotes, Rates & Agents

  • Quotes: These are tailored rate predictions based on individual information, such as driving experience and car make. Each insurer may give different quotes, emphasizing the importance of shopping around.
  • Rates: These figures represent the average price drivers might expect to pay. As shown above, while there are general trends for each company, rates can fluctuate based on broader economic factors.
  • Agents: Insurance agents are the bridge between the insurer and the client. They can help unearth discounts, tailor policies to specific needs, and explain the finer details. In Columbia, both independent agents and those tied to larger companies play crucial roles in the insurance scene.

Factors Influencing Insurance Rates in Columbia, AL

  • Demographics: As is typical, younger drivers might encounter higher rates due to perceived inexperience. Other demographics like gender and marital status also play a role.
  • Driving Record: A clean record can lead to discounts, while previous accidents or infractions can raise premiums.
  • Vehicle Type: Premium cars or those with low safety ratings tend to increase the cost of insurance.
  • Location-specific Risks: Columbia's crime rate, traffic density, and accident statistics influence local rates.
  • Coverage Choices: Opting for comprehensive coverage, collision protection, or higher liability limits will drive up costs.
  • Deductibles: The rule of thumb is higher deductibles lead to lower premiums, and vice versa.
  • Discount Opportunities: Insurers may provide reductions for good driving, student achievements, bundling policies, or using anti-theft devices.

Car insurance in Columbia, AL is influenced by an array of individual and local factors. Major national insurers dominate the market, but a personalized touch, often found with local agents, can make all the difference. For Columbia residents, understanding what influences their rates and seeking multiple quotes will ensure optimal coverage at the best price.

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

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

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

Columbia Houston County Avon Webb Cedar Springs Ashford
Average Insurance Rates $1,390 $1,455 $1,430 $1,415 $1,580 $1,456

Columbia, 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 Columbia, 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)
Columbia $2,689 $2,272
Ashford $2,813 $2,376
Webb $1,335 $1,128
Cedar Springs $1,032 $872
Avon $1,243 $1,050
Cowarts $1,932 $1,632
Jakin $2,700 $2,280
Houston County $1,505 $1,271

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

Teenagers in Columbia, 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 $4,510
20 Years $1,786
30 Years $1,376
40 Years $1,324
50 Years $1,226
60 Years $1,243
70 Years $1,447

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

Car owners in Columbia, 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 $2,419 $361
3 Vehicles $3,628 $542
4 Vehicles $4,837 $723

Savings on 2 Vehicles bundle:$361

Savings on 3 Vehicles bundle:$542

Savings on 4 Vehicles bundle:$723

Columbia, 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 Columbia, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Columbia $1,390 $2,464
Ashford $1,456 $2,582
Webb $1,415 $2,509
Cedar Springs $1,580 $2,888
Avon $1,430 $2,535
Cowarts $1,423 $2,523
Jakin $1,560 $2,852
Houston County $1,455 $2,580

Columbia, 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) $1,193
Excellent (740-799) $1,361
Good (670-739) $1,448
Average (580-669) $1,890
Poor (300-579) $2,267

Columbia, 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
Ron Davis GEICO 4177 Montgomery Highway, Suite 4, Dothan, 36303 (334) 671-1726
The Daughtry Group Travelers 3306 ROSS CLARK CIR STE 2, DOTHAN, 36303 334-699-3076
Mallory-Tate Insurance Services, Llc None 2426 S Park Ave, Dothan, 36301 None
Slingluff Insurance Agency Inc Travelers 568 S Oates St, Dothan, 36301 None
Flowers Insurance Agency, Llc None 2501 W Main St 2501 W Main St, Dothan, 36301 None
Salter Insurance Agency Travelers 304 Church St, Ashford, 36312 None

Columbia, 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 +$61 $1,451
Driver's Failure In Showing Documents +$135 $1,525
Driving With An Expired Registration +$143 $1,533
Driving At A Considerably Slow Pace +$302 $1,692
Using A Cellphone While Driving +$318 $1,708
Running A Red Light +$324 $1,714
Speeding +$341 $1,731
Driving A Vehicle Without The Required Permission +$432 $1,822
Driving With An Expired/Suspended License +$937 $2,327

Columbia, 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 $1,334
Active Disabling Device $1,334
Tracking Device $1,307
Passive Disabling Device $1,293