Columbiana, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Columbiana, 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.
Getting to Know Car Insurance Rates in Columbiana, AL
Columbiana, a picturesque town in Alabama, is more than just its scenic beauty and historic landmarks. For its residents, getting the right car insurance is a matter of both legal compliance and peace of mind. Understanding the ins and outs of car insurance rates in Columbiana is vital for making informed choices. Let's delve into the major competitors, their rate structures, and other intricacies of the insurance landscape in the city.
Top Competitors and Their Rates
- State Farm: A nationally recognized insurer, State Farm's rates in Columbiana average between $1,220 and $1,420 annually.
- Geico: With a strong advertising presence and competitive pricing, Geico's average annual premiums in Columbiana tend to range from $1,170 to $1,340.
- Progressive: Catering to a variety of consumers, Progressive's rates in the city hover around $1,230 to $1,430 per year.
- Allstate: Allstate, known for its personalized service, has average rates that span from $1,260 to $1,480 annually in Columbiana.
Quotes, Rates & Agents
- Quotes: These are individualized rate estimates provided by insurers based on personal details such as age, driving history, and vehicle type. Different companies can provide significantly varied quotes for the same individual.
- Rates: This refers to the general average price of insurance in an area. While individual quotes can differ, rates provide a ballpark figure for what drivers in Columbiana can expect.
- Agents: Agents bridge the gap between insurers and policyholders. Whether they represent major brands or local companies, they offer invaluable insights, identify discounts, and tailor policies to individual needs.
Factors Influencing Insurance Rates in Columbiana, AL
- Demographics: Rates can be influenced by factors like age, gender, and marital status. For instance, younger drivers often face steeper prices due to their inexperience.
- Driving Record: A driver's history, including any past accidents or traffic violations, can significantly impact their insurance rates.
- Vehicle Make and Model: Luxury cars or models with high repair costs typically attract higher premiums.
- Local Statistics: The frequency of car thefts, accidents, and the general traffic density in Columbiana can influence rates.
- Coverage Type: Comprehensive coverage or policies with higher liability limits will generally be pricier than basic plans.
- Deductibles: Opting for a higher deductible can decrease the annual premium, while a lower deductible might increase it.
- Discounts: Many insurers offer discounts for a variety of reasons, from having a good driving record to installing advanced safety features in the vehicle.
Car insurance in Columbiana, AL, is shaped by both individual and local factors. While major national players dominate the market, the touch of local agents, with their in-depth understanding of Columbiana's unique landscape, adds immeasurable value. For residents, it's essential to explore multiple quotes and understand the factors influencing their rates to get the best deal.
Factors that can influence the cost of car insurance in Columbiana, 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.
- Columbiana, AL Auto Insurance Rates
- Columbiana, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Columbiana, AL
- Multi Vehicle Insurance Savings in Columbiana, AL
- How Credit Score Affects Car Insurance Rates in Columbiana, AL
- How DUI Affects Auto Insurance Premiums in Columbiana, AL
- Top Auto Insurance Agents Near Columbiana, AL
- How Driving Violations Affect Auto Insurance Rates in Columbiana, AL
- Columbiana, AL Auto Insurance Discounts on Anti Theft Feature
Columbiana, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Columbiana, AL with that of other cities in and around Columbiana.
Columbiana | Fayetteville | Talladega Springs | Shelby | Wilsonville | Pelham | |
---|---|---|---|---|---|---|
Average Insurance Rates | $1,494 | $1,408 | $1,466 | $1,427 | $1,475 | $1,508 |
Columbiana, 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 Columbiana, 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) |
---|---|---|
Columbiana | $1,667 | $1,408 |
Shelby | $1,271 | $1,074 |
Wilsonville | $1,462 | $1,235 |
Shelby County | $1,509 | $1,275 |
Fayetteville | $1,229 | $1,038 |
Talladega Springs | $2,182 | $1,843 |
Calera | $1,410 | $1,191 |
Pelham | $1,424 | $1,203 |
Columbiana, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Columbiana, 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 | $4,848 |
20 Years | $1,920 |
30 Years | $1,479 |
40 Years | $1,423 |
50 Years | $1,317 |
60 Years | $1,336 |
70 Years | $1,555 |
Columbiana, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Columbiana, 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 | $448 |
3 Vehicles | $3,810 | $672 |
4 Vehicles | $5,080 | $896 |

Savings on 2 Vehicles bundle:$448

Savings on 3 Vehicles bundle:$672

Savings on 4 Vehicles bundle:$896
Columbiana, 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 Columbiana, AL.
Location | Average Insurance Cost | Post DUI Insurance Rate |
---|---|---|
Columbiana | $1,494 | $2,649 |
Shelby | $1,427 | $2,530 |
Wilsonville | $1,475 | $2,615 |
Shelby County | $1,535 | $2,722 |
Fayetteville | $1,408 | $2,496 |
Talladega Springs | $1,466 | $2,599 |
Calera | $1,470 | $2,606 |
Pelham | $1,508 | $2,674 |
Columbiana, 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) | $1,282 |
Excellent (740-799) | $1,463 |
Good (670-739) | $1,557 |
Average (580-669) | $2,031 |
Poor (300-579) | $2,437 |
Columbiana, 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 |
---|---|---|---|
Craig Dorris | State Farm | 407 W College St, Columbiana, 35051-9523 | 205-669-6706 |
Patrick Robinson | Allstate | 100 N Main St Ste 3, Columbiana, 35051 | (205) 610-8070 |
Thomas Cornelius | Allstate | 1575 Cahaba Valley Rd, Pelham, 35124 | (205) 994-2994 |
Crutchfield & Graves Insurance Agency | Travelers | BLDG 200 CHASE PARK S STE 200, BIRMINGHAM, 35244 | 205-988-5099 |
Collins Insurance Agency, Inc. | None | 2200 Valleydale Road Suite 201 , Hoover, 35244 | (205) 918-7933 |
Ginger Copeland Lutcf | Liberty Mutual | 100 Corporate Parkway Suite 225, Birmingham, 35242 | 1-205-995-9883 |
Chadwick L Hartsfield | Liberty Mutual | 100 Corporate Parkway Suite 225, Birmingham, 35242 | 1-205-995-9883 |
The Insurance Store Inc | Travelers | 521 FIRST STREET NORTH, ALABASTER, 35007 | 205-663-2905 |
Dixon Insurance Inc | Travelers | 18751 HWY 145, SHELBY, 35143 | 205-669-6221 |
Columbiana, 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 | +$66 | $1,560 |
Driver's Failure In Showing Documents | +$145 | $1,639 |
Driving With An Expired Registration | +$154 | $1,648 |
Driving At A Considerably Slow Pace | +$324 | $1,818 |
Using A Cellphone While Driving | +$342 | $1,836 |
Running A Red Light | +$348 | $1,842 |
Speeding | +$366 | $1,860 |
Driving A Vehicle Without The Required Permission | +$465 | $1,959 |
Driving With An Expired/Suspended License | +$1,007 | $2,501 |
Columbiana, 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 | $1,434 |
Active Disabling Device | $1,434 |
Tracking Device | $1,404 |
Passive Disabling Device | $1,389 |