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

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.

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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 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