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