Conecuh County Auto Insurance Rates, Quotes, Agents & Reviews in AL

Conecuh County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Conecuh County, 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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The Ins and Outs of Car Insurance Rates in Conecuh County, AL

Conecuh County, located in the heart of Alabama, exudes southern hospitality and a rich historical tapestry. While its ambiance offers solace and nostalgia, residents here, like everywhere else, require robust car insurance policies. Delving into the depths of car insurance rates in Conecuh County, we unravel the top competitors, provide an in-depth analysis of quotes, rates, and agents, and spotlight the factors influencing these rates.

Top Competitors and Their Rates

  • State Farm: Consistently leading in the insurance domain, State Farm's annual premiums in Conecuh County generally range from $1,230 to $1,450.
  • Geico: A powerhouse in the insurance industry, Geico's average annual rates in Conecuh County hover between $1,190 and $1,370.
  • Progressive: With its dynamic policy options, Progressive's rates in the county tend to be in the vicinity of $1,220 to $1,420 per year.
  • Allstate: Known for its extensive reach and diverse coverage, Allstate's premiums in Conecuh County average from $1,260 to $1,480 annually.

Quotes, Rates & Agents

  • Quotes: These are tailored estimates provided by insurance companies based on a driver's personal profile, including factors like age, vehicle type, and driving history.
  • Rates: These represent the broader average of what most drivers pay for insurance in a specific region. It's a general figure that provides a benchmark for potential policyholders.
  • Agents: The unsung heroes of the insurance world, agents facilitate the connection between insurance providers and customers. They assist in customizing policies, identifying discounts, and simplifying the complexities of insurance jargon.

Factors Influencing Insurance Rates in Conecuh County, AL

  • Demographics: Personal details such as age, gender, and marital status can be pivotal in rate determination. Typically, younger drivers face steeper rates due to inexperience.
  • Driving Record: Drivers with a clean slate often enjoy better rates, while those with previous infractions or accidents might see premium hikes.
  • Vehicle Details: Cars with high repair costs, luxury models, or those with a history of theft may attract higher insurance premiums.
  • Local Factors: Traffic patterns, the frequency of vehicular accidents, and crime rates in Conecuh County can influence local insurance rates.
  • Extent of Coverage: Naturally, opting for comprehensive coverage or higher liability limits will result in higher costs.
  • Deductible Choices: Higher deductibles typically translate to lower premiums and vice versa.
  • Discount Possibilities: From safe-driving bonuses to discounts for vehicle safety features, various reduction opportunities can influence final rates.

Car insurance in Conecuh County, AL, is a multifaceted domain influenced by individual specifics, local dynamics, and the policies of competing insurance giants. While established insurers provide a solid framework of options, local agents add granularity and precision to the selection process. For residents, comprehending the myriad influences on rates and actively comparing quotes ensures optimal, cost-effective coverage.

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

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

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

Conecuh County Lyeffion Castleberry Repton Shreve Evergreen
Average Insurance Rates $1,398 $1,402 $1,381 $1,383 $1,394 $1,412

Conecuh County, 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 Conecuh County, 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)
Conecuh County $1,427 $1,205
Castleberry $1,557 $1,315
Evergreen $1,683 $1,422
Lyeffion $1,225 $1,034
Shreve $1,447 $1,222
Repton $1,885 $1,592
McKenzie $1,351 $1,141

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

Teenagers in Conecuh County, 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 $4,536
20 Years $1,796
30 Years $1,384
40 Years $1,331
50 Years $1,233
60 Years $1,250
70 Years $1,455

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

Car owners in Conecuh County, 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 $2,433 $363
3 Vehicles $3,649 $545
4 Vehicles $4,865 $727

Savings on 2 Vehicles bundle:$363

Savings on 3 Vehicles bundle:$545

Savings on 4 Vehicles bundle:$727

Conecuh County, 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 Conecuh County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Conecuh County $1,398 $2,479
Castleberry $1,381 $2,449
Evergreen $1,412 $2,504
Lyeffion $1,402 $2,486
Shreve $1,394 $2,472
Repton $1,383 $2,452
McKenzie $1,380 $2,447

Conecuh County, 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) $1,199
Excellent (740-799) $1,369
Good (670-739) $1,457
Average (580-669) $1,901
Poor (300-579) $2,280

Conecuh County, 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
Eddins Corp Dba Harrigan Ins Agcy None 64 N Alabama Ave Ste A, Monroeville, 36460 None
Christopher Kirk Allstate 100 S Carney St, Atmore, 36502 (251) 368-4111
Horton Insurance Travelers PO BOX 2190, EAST BREWTON, 36427 251-867-5565
Al Snellgrove State Farm 1384 S Forest Ave, Luverne, 36049-7311 334-335-3431
Horton & Assoc Llc Allstate 122 Rural St, Evergreen, 36401 (251) 578-1051
Spike Maxwell State Farm 1 Henderson St Ste 1, Brewton, 36426-2008 251-867-5212
Parker Waller Agency Of Alabama Llc Travelers 401 CEDAR ST, GREENVILLE, 36037 334-382-1234
Maxwell Haley Castlebery Travelers 105 N MAIN ST, ATMORE, 36502 251-368-2106

Conecuh County, 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 +$62 $1,460
Driver's Failure In Showing Documents +$136 $1,534
Driving With An Expired Registration +$144 $1,542
Driving At A Considerably Slow Pace +$303 $1,701
Using A Cellphone While Driving +$320 $1,718
Running A Red Light +$326 $1,724
Speeding +$343 $1,741
Driving A Vehicle Without The Required Permission +$435 $1,833
Driving With An Expired/Suspended License +$942 $2,340

Conecuh County, 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 $1,342
Active Disabling Device $1,342
Tracking Device $1,314
Passive Disabling Device $1,300