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

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

Zimlon, through its research, found that car owners in Coosa 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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Understanding Car Insurance Rates in Coosa County, AL

Nestled in the southern charm of Alabama, Coosa County stands as a testament to the state's rich history and vibrant culture. For the residents of this county, the daily commute is just as important as any other locality, making car insurance not just a legal mandate but a necessity for peace of mind. This article provides an in-depth exploration of the car insurance rates in Coosa County, highlighting major competitors, offering an analytical perspective on quotes, rates, and agents, and shedding light on the determinants of these rates.

Top Competitors and Their Rates

  • State Farm: Renowned nationally, State Farm's rates in Coosa County typically range between $1,245 and $1,465 annually.
  • Geico: A dominant force in the insurance arena, Geico's average rates in Coosa County range from $1,205 to $1,385 annually.
  • Progressive: With its varied policy options, Progressive's annual rates in the county generally span from $1,235 to $1,435.
  • Allstate: With a reputation for comprehensive services, Allstate's average annual premiums in Coosa County lie between $1,275 and $1,495.

Quotes, Rates & Agents

  • Quotes: These personalized estimates reflect potential insurance costs tailored to individual profiles, accounting for factors like age, vehicle type, and driving record.
  • Rates: Providing a broader picture, rates showcase the general cost spectrum of car insurance in a specific region, acting as a guideline for potential policyholders.
  • Agents: As the bridge between insurance firms and consumers, agents are instrumental. Their expertise helps demystify policy terms, identify potential discounts, and ensure policies are custom-fitted to individual needs.

Factors Influencing Insurance Rates in Coosa County, AL

  • Demographics: Personal details, particularly age, gender, and marital status, can influence rates. Younger drivers, due to perceived risks, might face higher premiums.
  • Driving Record: A pristine driving record can lead to favorable rates, while a history marred by violations or accidents might entail higher premiums.
  • Vehicle Specifications: High-end cars, vehicles prone to theft, or models with expensive repair costs usually attract elevated insurance rates.
  • Local Dynamics: Aspects like traffic density, frequency of vehicular accidents, and crime rates in Coosa County can impact insurance rates.
  • Coverage Depth: Policies with comprehensive coverage or higher liability caps tend to come with heftier price tags.
  • Deductible Decisions: Opting for a high deductible can reduce the annual premium, while lower deductibles might inflate it.
  • Available Discounts: Many insurers extend discounts for varied reasons, from maintaining a good driving record to incorporating advanced safety features in one's vehicle.

Car insurance in Coosa County, AL, is a nuanced tapestry shaped by individual preferences, local dynamics, and the offerings of prominent insurance giants. While national insurers set the foundational parameters, local agents add granularity and personalization to the equation. Residents can benefit immensely from understanding the influencing factors, engaging in proactive comparison of quotes, and leveraging the expertise of local agents to secure optimal coverage.

Factors that can influence the cost of car insurance in Coosa 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.

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

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

Coosa County Rockford Goodwater-Kellyton Hissop Stewartville Kellyton
Average Insurance Rates $1,411 $1,427 $1,400 $1,426 $1,365 $1,429

Coosa 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 Coosa 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)
Coosa County $1,621 $1,369
Weogufka-Marble Valley $1,611 $1,361
Rockford $1,241 $1,048
Hissop $1,606 $1,356
Weogufka $2,039 $1,723
Stewartville $1,863 $1,574
Goodwater-Kellyton $1,575 $1,330
Kellyton $1,363 $1,151

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

Teenagers in Coosa 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 $4,578
20 Years $1,813
30 Years $1,396
40 Years $1,344
50 Years $1,244
60 Years $1,262
70 Years $1,468

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

Car owners in Coosa 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 $2,455 $367
3 Vehicles $3,683 $550
4 Vehicles $4,910 $734

Savings on 2 Vehicles bundle:$367

Savings on 3 Vehicles bundle:$550

Savings on 4 Vehicles bundle:$734

Coosa 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 Coosa County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Coosa County $1,411 $2,502
Weogufka-Marble Valley $1,401 $2,484
Rockford $1,427 $2,530
Hissop $1,426 $2,528
Weogufka $1,980 $3,511
Stewartville $1,365 $2,420
Goodwater-Kellyton $1,400 $2,482
Kellyton $1,429 $2,534

Coosa 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) $1,211
Excellent (740-799) $1,382
Good (670-739) $1,470
Average (580-669) $1,918
Poor (300-579) $2,302

Coosa 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
Albia Steers State Farm 1010 N Broadway Ave, Sylacauga, 35150-2162 256-245-6061
D. Scott Gordon Farmers 153 Alabama St, Alexander City, 35010 (256) 409-2299
Randy L Smith Allstate 524 N Broadway Ave, Sylacauga, 35150 (256) 245-4336
Janet Jones State Farm 222 Broadway Avenue North, Sylacauga, 35150-2526 256-249-3984
Don Taylor State Farm 1900 CRESTWOOD BLVD SUITE 105, IRONDALE, 35210 205-951-3740
Bobby Jones State Farm 2112 Rocky Ridge Rd, Hoover, 35216-5138 205-822-3032
Mitch Carbonie Allstate 1221 Edenton St, Birmingham, 35242 (205) 298-1050
Clark Assocs Inc None 2229 Rocky Ridge Rd Birmingham, Vestavia Hills, 35216 None
Insurance Office Of America Liberty Mutual Independent One Perimeter Park South One Perimeter Park South, Birmingham, 35243 None

Coosa 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 $1,473
Driver's Failure In Showing Documents +$137 $1,548
Driving With An Expired Registration +$145 $1,556
Driving At A Considerably Slow Pace +$306 $1,717
Using A Cellphone While Driving +$323 $1,734
Running A Red Light +$329 $1,740
Speeding +$346 $1,757
Driving A Vehicle Without The Required Permission +$439 $1,850
Driving With An Expired/Suspended License +$951 $2,362

Coosa 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 $1,355
Active Disabling Device $1,355
Tracking Device $1,326
Passive Disabling Device $1,312