Crawford Auto Insurance Rates, Quotes, Agents & Reviews in AL

Crawford, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Crawford, 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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Crawford, AL: Unveiling Car Insurance Rates

The picturesque setting of Crawford, Alabama, provides an intriguing backdrop to a topic that affects almost every resident: car insurance. As an essential aspect of vehicle ownership in the region, understanding the nuts and bolts of car insurance becomes indispensable. This article seeks to pull back the curtain on car insurance in Crawford, highlighting the dominant market players, decoding the world of quotes, rates, and agents, and finally, identifying the core factors that shape the insurance rates in this town.

Top Competitors and Their Rates

  • State Farm: A titan in the insurance arena, State Farm's annual premiums in Crawford usually float between $1,320 and $1,540.
  • Geico: With its nationwide reach, Geico's yearly rates in Crawford oscillate from $1,280 to $1,460.
  • Progressive: Known for its flexible policy options, Progressive's rates in Crawford range from $1,310 to $1,510 annually.
  • Allstate: Providing a comprehensive insurance palette, Allstate's premiums in the area vary between $1,350 and $1,570 per year.

Quotes, Rates & Agents

  • Quotes: Tailored to each driver, quotes provide an estimated insurance cost, encapsulating personal parameters like age, driving record, and the type of vehicle owned.
  • Rates: These offer a panoramic view of the average insurance costs in a location, like Crawford, acting as a standard metric for consumers to compare.
  • Agents: The bridge between consumers and the vast insurance domain, agents simplify complexities, highlight potential discounts, and shape policies to align with individual preferences.

Factors Influencing Insurance Rates in Crawford, AL

  • Demographics: Personal factors such as age, gender, and marital status are central in determining insurance premiums. Typically, younger drivers might face higher rates due to a perceived risk factor.
  • Driving Record: A pristine driving history is usually rewarded with reduced rates, while past misdemeanors can surge premiums.
  • Vehicle Specifics: Cars that demand high maintenance, luxury models, or vehicles with a high theft rate often command more substantial insurance premiums.
  • City Dynamics: Traffic density in Crawford, regional car accident statistics, and crime rates significantly impact the insurance costs.
  • Coverage Depth: Opting for extensive coverage or higher liability thresholds can lead to an upswing in the premium.
  • Deductible Selection: A higher deductible often translates to a lower annual rate but means more out-of-pocket costs during claims.
  • Opportunities for Discounts: Multiple avenues, from impeccable driving habits to installing advanced safety features in vehicles, can potentially slice off a chunk from the insurance rates.

Peeling back the layers of car insurance rates in Crawford, AL, one encounters an intricate weave of individual profiles, tactics employed by key insurers, and the specific characteristics of the city itself. While the fundamental rates are framed by these major insurers, the presence of local agents adds a touch of personalization, ensuring residents find the most fitting coverage. By grasping these underlying factors, actively seeking and contrasting quotes, and leveraging the knowledge of agents, the citizens of Crawford can confidently chart their way through the car insurance maze.

Factors that can influence the cost of car insurance in Crawford, 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.

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

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

Crawford Smiths Station Beauregard-Marvyn Hurtsboro Phenix City Ladonia
Average Insurance Rates $1,472 $1,446 $1,461 $1,388 $1,444 $1,407

Crawford, 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 Crawford, 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)
Crawford $932 $787
Ladonia $2,027 $1,712
Beauregard-Marvyn $1,109 $937
Russell County $2,784 $2,352
Smiths Station $1,635 $1,381
Phenix City $1,595 $1,348
Hurtsboro $1,502 $1,268
Cottonton-Seale $1,683 $1,422

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

Teenagers in Crawford, 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 $4,776
20 Years $1,891
30 Years $1,457
40 Years $1,402
50 Years $1,298
60 Years $1,316
70 Years $1,532

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

Car owners in Crawford, 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 $2,502 $442
3 Vehicles $3,754 $662
4 Vehicles $5,005 $883

Savings on 2 Vehicles bundle:$442

Savings on 3 Vehicles bundle:$662

Savings on 4 Vehicles bundle:$883

Crawford, 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 Crawford, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Crawford $1,472 $2,610
Ladonia $1,407 $2,495
Beauregard-Marvyn $1,461 $2,590
Russell County $1,441 $2,555
Smiths Station $1,446 $2,564
Phenix City $1,444 $2,560
Hurtsboro $1,388 $2,461
Cottonton-Seale $1,411 $2,502

Crawford, 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) $1,263
Excellent (740-799) $1,442
Good (670-739) $1,534
Average (580-669) $2,001
Poor (300-579) $2,401

Crawford, 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
Prewett Insurance Group Allstate 1849 Ogletree Rd Ste 300, Auburn, 36830 (334) 502-5111
Joe Stokes State Farm 818 E Glenn Ave, Auburn, 36830-5708 334-821-3793
Prewett Insurance Group Allstate 2210 Gateway Dr Ste B, Opelika, 36801 (334) 528-0303
Tommy Pugh Insurance Agency Inc. None 12 Woodland Drive 12 Woodland Drive , Phenix City, 36869 None
Chattawood Insurance Co., Inc. None 2138 Moores Mill Rd. Ste B , Auburn, 36830 None
Mike Minor Farmers 1912 Opelika Rd, PHENIX CITY, 36867 (334) 291-1923
Dexter Walden Allstate 1418 14th St, Phenix City, 36867 (334) 291-0825
Joe C. Colvin Jr Allstate 1444 Opelika Rd, Auburn, 36830 (334) 301-2601

Crawford, 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 +$65 $1,537
Driver's Failure In Showing Documents +$143 $1,615
Driving With An Expired Registration +$152 $1,624
Driving At A Considerably Slow Pace +$319 $1,791
Using A Cellphone While Driving +$337 $1,809
Running A Red Light +$343 $1,815
Speeding +$361 $1,833
Driving A Vehicle Without The Required Permission +$458 $1,930
Driving With An Expired/Suspended License +$992 $2,464

Crawford, 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 $1,413
Active Disabling Device $1,413
Tracking Device $1,384
Passive Disabling Device $1,369