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