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

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.

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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 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