Concord, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Concord, 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.
Concord, AL: A Closer Look at Car Insurance Rates
Concord, Alabama, with its tranquil surroundings and community-driven atmosphere, remains a quintessential example of Southern charm. Yet, even in such a peaceful location, car insurance is an indispensable necessity for drivers. In this article, we take a detailed look at car insurance rates in Concord, highlighting top competitors, the significance of quotes, rates, and agents, and the diverse factors influencing the insurance rates in this picturesque city.
Top Competitors and Their Rates
- State Farm: A giant in the insurance industry, State Farm's annual premiums in Concord typically range between $1,240 and $1,460.
- Geico: As one of the nation's leading insurance providers, Geico's rates in Concord usually fluctuate between $1,180 and $1,360 annually.
- Progressive: Renowned for its flexible policies, Progressive's standard annual rates in Concord stand at about $1,210 to $1,410.
- Allstate: Celebrated for its expansive network and tailored services, Allstate's rates in Concord average from $1,270 to $1,490 per year.
Quotes, Rates & Agents
- Quotes: Individualized and based on a plethora of personal details, quotes provide potential policyholders with an estimated insurance cost tailored to their circumstances.
- Rates: Representing a broader perspective, rates give an average cost of car insurance within an area, offering a general idea of the going price for coverage in Concord.
- Agents: Serving as intermediaries between insurance providers and customers, agents play a pivotal role. Their expertise allows for a deeper understanding of policies, the identification of potential discounts, and tailoring insurance plans to meet individual needs.
Factors Influencing Insurance Rates in Concord, AL
- Demographics: Elements such as age, gender, and marital status play crucial roles in determining insurance rates. Typically, younger drivers might witness higher rates due to perceived risk.
- Driving History: Past records, including traffic violations or accident histories, can significantly influence premium costs.
- Vehicle Specifications: Cars that are expensive, have high repair costs, or are prone to theft might come with heftier insurance tags.
- Local Dynamics: The general traffic patterns, accident rates, and even crime statistics in Concord can impact insurance rates.
- Chosen Coverage: Policies that offer extensive coverage or higher liability limits naturally tend to be more expensive.
- Deductible Decisions: A higher deductible often correlates with a lower premium and vice versa.
- Available Discounts: Various insurers might offer discounts for diverse reasons, ranging from stellar driving records to safety features in a vehicle.
The tapestry of car insurance in Concord, AL, is woven from a blend of individual specifics and broader city dynamics. While prominent national insurers offer a reliable safety net, the nuanced touch of local agents provides an added layer of understanding and personalization. It's imperative for residents to gain insights into the factors molding their rates and to obtain multiple quotes to secure optimal coverage.
Factors that can influence the cost of car insurance in Concord, 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.
- Concord, AL Auto Insurance Rates
- Concord, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Concord, AL
- Multi Vehicle Insurance Savings in Concord, AL
- How Credit Score Affects Car Insurance Rates in Concord, AL
- How DUI Affects Auto Insurance Premiums in Concord, AL
- Top Auto Insurance Agents Near Concord, AL
- How Driving Violations Affect Auto Insurance Rates in Concord, AL
- Concord, AL Auto Insurance Discounts on Anti Theft Feature
Concord, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Concord, AL with that of other cities in and around Concord.
| Concord | Maytown-Sylvan Springs | Rock Creek | Hueytown | Pleasant Grove | Sylvan Springs | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,481 | $1,458 | $1,445 | $1,438 | $1,481 | $1,484 |
Concord, 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 Concord, 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) |
|---|---|---|
| Concord | $2,859 | $2,415 |
| Concord-Rock Creek | $1,473 | $1,244 |
| Rock Creek | $1,419 | $1,199 |
| Hueytown | $1,176 | $994 |
| Pleasant Grove | $1,017 | $859 |
| Sylvan Springs | $1,104 | $933 |
| Brighton | $1,324 | $1,118 |
| Maytown-Sylvan Springs | $1,261 | $1,065 |
Concord, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Concord, 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 | $4,806 |
| 20 Years | $1,903 |
| 30 Years | $1,466 |
| 40 Years | $1,410 |
| 50 Years | $1,306 |
| 60 Years | $1,324 |
| 70 Years | $1,541 |
Concord, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Concord, 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 | $2,518 | $444 |
| 3 Vehicles | $3,777 | $666 |
| 4 Vehicles | $5,035 | $889 |
Savings on 2 Vehicles bundle:$444
Savings on 3 Vehicles bundle:$666
Savings on 4 Vehicles bundle:$889
Concord, 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 Concord, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Concord | $1,481 | $2,626 |
| Concord-Rock Creek | $1,489 | $2,640 |
| Rock Creek | $1,445 | $2,562 |
| Hueytown | $1,438 | $2,550 |
| Pleasant Grove | $1,481 | $2,626 |
| Sylvan Springs | $1,484 | $2,631 |
| Brighton | $1,378 | $2,443 |
| Maytown-Sylvan Springs | $1,458 | $2,585 |
Concord, 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) | $1,271 |
| Excellent (740-799) | $1,450 |
| Good (670-739) | $1,543 |
| Average (580-669) | $2,013 |
| Poor (300-579) | $2,416 |
Concord, 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 |
|---|---|---|---|
| Holt Insurance Agency Inc | Travelers | 1423 4TH AVE NO, BESSEMER, 35020 | 205-424-8368 |
| Corkren Insurance | Allstate | 1516 9th Ave N Ste 112, Bessemer, 35020 | (205) 565-0060 |
| Leanne Dickinson | State Farm | 200 B Y Williams Sr Dr, Midfield, 35228-2221 | 205-923-7334 |
| 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 |
| Duncan Cook | Farmers | 1230 Eastern Valley Rd, Bessemer, 35020 | (205) 565-9033 |
| Harrison Insurance Agency Llc | Travelers | 1325 HUEYTOWN ROAD, HUEYTOWN, 35023 | 205-491-3922 |
| Turner Benefit Services Inc | Travelers | 1400 9TH AVE STE 108, BESSEMER, 35020 | 205-663-8683 |
| Marietta Wicks | State Farm | 3014 Allison Bonnett Memorial, Hueytown, 35023 | 205-497-8729 |
Concord, 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 | +$65 | $1,546 |
| Driver's Failure In Showing Documents | +$144 | $1,625 |
| Driving With An Expired Registration | +$153 | $1,634 |
| Driving At A Considerably Slow Pace | +$321 | $1,802 |
| Using A Cellphone While Driving | +$339 | $1,820 |
| Running A Red Light | +$345 | $1,826 |
| Speeding | +$363 | $1,844 |
| Driving A Vehicle Without The Required Permission | +$461 | $1,942 |
| Driving With An Expired/Suspended License | +$998 | $2,479 |
Concord, 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 | $1,422 |
| Active Disabling Device | $1,422 |
| Tracking Device | $1,392 |
| Passive Disabling Device | $1,377 |