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.
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 Rates
- Conecuh County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Conecuh County, AL
- Multi Vehicle Insurance Savings in Conecuh County, AL
- How Credit Score Affects Car Insurance Rates in Conecuh County, AL
- How DUI Affects Auto Insurance Premiums in Conecuh County, AL
- Top Auto Insurance Agents Near Conecuh County, AL
- How Driving Violations Affect Auto Insurance Rates in Conecuh County, AL
- Conecuh County, AL Auto Insurance Discounts on Anti Theft Feature
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 |