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