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

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

Zimlon, through its research, found that car owners in Covington 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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How Covington County, AL Car Insurance Rates Stack Up

Situated in the scenic expanse of Alabama, Covington County is a blend of rural charm and burgeoning development. For its residents, vehicles are more than a luxury—they're a necessity. This makes car insurance an indispensable component of their daily lives. In this article, we will investigate how car insurance rates in Covington County compare, spotlighting dominant market players, dissecting quotes, rates, and the invaluable role of agents, and illuminating the factors that determine these rates.

Top Competitors and Their Rates

  • State Farm: An iconic figure in the insurance world, State Farm's yearly premiums in Covington County usually hover between $1,290 and $1,510.
  • Geico: A name synonymous with widespread insurance solutions, Geico's annual rates in this county range from $1,250 to $1,430.
  • Progressive: Distinguished for its versatile offerings, Progressive's rates in Covington County stretch from $1,280 to $1,480 annually.
  • Allstate: With a broad spectrum of insurance policies, Allstate's premiums in this region fluctuate between $1,320 and $1,540 per year.

Quotes, Rates & Agents

  • Quotes: These are tailored estimates, granting individuals a peek into potential insurance expenditures, encapsulating factors like age, driving record, and vehicle specifics.
  • Rates: These generalize the car insurance scenario, showcasing average premiums in a region like Covington County, thus setting a foundation for consumers' comparisons.
  • Agents: Acting as intermediaries, agents decode insurance intricacies, highlighting discounts and tailoring policies to resonate with individual preferences.

Factors Influencing Insurance Rates in Covington County, AL

  • Demographics: Personal attributes—age, gender, marital status—play a pivotal role in rate determination. Often, younger motorists might be slapped with higher rates due to perceived risk.
  • Driving History: A spotless driving record can be a passport to lower rates, while past transgressions might lead to premium spikes.
  • Vehicle Aspects: Luxury badges, vehicles with high repair costs, or models frequently targeted by thieves usually lead to heftier insurance premiums.
  • County Dynamics: Parameters like traffic volume in Covington County, accident statistics, and local crime rates can heavily influence insurance costs.
  • Extent of Coverage: Opting for an all-encompassing coverage or higher liability caps naturally leads to a premium uptick.
  • Deductible Choices: A higher deductible often translates to lower annual premiums but also implies more out-of-pocket expenses during claims.
  • Discount Avenues: From commendable driving habits to integrating advanced safety mechanisms in vehicles, multiple avenues can lead to insurance discounts, impacting the final rate.

In gauging how car insurance rates stack up in Covington County, AL, one uncovers a nexus of individual profiles, strategies by industry giants, and unique county characteristics. While the foundational rates are sculpted by these major insurers, local agents introduce a layer of customization, ensuring that the coverage is both exhaustive and pocket-friendly. For the county's denizens, a blend of understanding these influencing dynamics, actively comparing quotes, and harnessing agent expertise is the recipe for a well-rounded, economical insurance solution.

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

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

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

Covington County Horn Hill Libertyville Babbie Carolina Heath
Average Insurance Rates $1,420 $1,406 $1,901 $1,402 $1,480 $1,397

Covington 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 Covington 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)
Covington County $2,746 $2,319
Libertyville $1,958 $1,654
Carolina $1,016 $858
Sanford $1,666 $1,407
Heath $2,167 $1,830
Horn Hill $1,458 $1,232
Andalusia $1,471 $1,242
Babbie $1,405 $1,187

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

Teenagers in Covington 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 $4,608
20 Years $1,825
30 Years $1,405
40 Years $1,352
50 Years $1,252
60 Years $1,270
70 Years $1,478

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

Car owners in Covington 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 $2,442 $398
3 Vehicles $3,664 $596
4 Vehicles $4,885 $795

Savings on 2 Vehicles bundle:$398

Savings on 3 Vehicles bundle:$596

Savings on 4 Vehicles bundle:$795

Covington 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 Covington County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Covington County $1,420 $2,518
Libertyville $1,901 $3,371
Carolina $1,480 $2,624
Sanford $1,617 $2,867
Heath $1,397 $2,477
Horn Hill $1,406 $2,493
Andalusia $1,419 $2,516
Babbie $1,402 $2,486

Covington 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) $1,218
Excellent (740-799) $1,391
Good (670-739) $1,480
Average (580-669) $1,930
Poor (300-579) $2,316

Covington 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
Sharyn Smith State Farm 1805 E Three Notch St Ste 4, Andalusia, 36421-2403 334-222-1005
David Brooks Allstate 1831 E Three Notch St, Andalusia, 36421 (334) 767-3324
Christopher Jackson Allstate 408 River Falls St, Andalusia, 36420 (334) 222-8553
Davis & Associates, Inc. None 1731 E Three Notch St, Andalusia, 36421 (334) 246-2401
Joann Bulger Farmers 2 E Court Sq, Andalusia, 36420 (334) 222-8223
Tim Bryan State Farm 300 E Three Notch St, Andalusia, 36420-3125 334-222-1460
Ea-Witherington Insurance Group Travelers 1200 ELBA HWY, TROY, 36079 334-566-1477
Ea-Witherington Insurance Group Travelers 1200 ELBA HWY, TROY, 36079 334-566-1477

Covington 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 $1,482
Driver's Failure In Showing Documents +$138 $1,558
Driving With An Expired Registration +$146 $1,566
Driving At A Considerably Slow Pace +$308 $1,728
Using A Cellphone While Driving +$325 $1,745
Running A Red Light +$331 $1,751
Speeding +$348 $1,768
Driving A Vehicle Without The Required Permission +$442 $1,862
Driving With An Expired/Suspended License +$957 $2,377

Covington 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 $1,363
Active Disabling Device $1,363
Tracking Device $1,335
Passive Disabling Device $1,321