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

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

Zimlon, through its research, found that car owners in Crenshaw 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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Crenshaw County, AL: A Comprehensive Look at Car Insurance Rates

Tucked away in the southern parts of Alabama, Crenshaw County is known for its rustic charm, historical significance, and warm-hearted communities. However, just as in other parts of the country, its residents must grapple with the challenges and considerations of car insurance. This article provides a comprehensive overview of car insurance rates in Crenshaw County, spotlighting the dominant market players, delving into the dynamics of quotes, rates, and agents, and finally, identifying the significant factors that determine the insurance premiums in the county.

Top Competitors and Their Rates

  • State Farm: One of the most recognized names in insurance, State Farm's annual premiums in Crenshaw County typically fall between $1,300 and $1,525.
  • Geico: Known for its national presence, Geico's annual rates for Crenshaw County residents range from $1,265 to $1,455.
  • Progressive: A popular choice for many, Progressive's rates in Crenshaw County oscillate between $1,295 and $1,515.
  • Allstate: Providing diverse coverage options, Allstate's premiums in the county tend to vary between $1,340 and $1,560 annually.

Quotes, Rates & Agents

  • Quotes: These personalized estimates give drivers an idea of potential insurance costs. They encapsulate personal factors like driving history, vehicle type, and other related factors.
  • Rates: Reflecting a broader perspective, rates provide an average of the insurance costs in a region like Crenshaw County, acting as a guiding post for consumers.
  • Agents: Acting as the liaison between consumers and insurance providers, agents simplify policy intricacies, spotlight potential discounts, and tailor coverage to meet individual needs.

Factors Influencing Insurance Rates in Crenshaw County, AL

  • Demographics: Age, gender, and marital status play key roles. Typically, younger drivers or those under 25 might face slightly higher premiums due to perceived risks.
  • Driving History: A driver's past can influence the future. Those with accidents or violations might see elevated rates, while a clean record can result in discounts.
  • Type of Vehicle: Luxury cars, SUVs, or vehicles with high repair costs can demand higher premiums.
  • Local Dynamics: Traffic congestion, road conditions, local accident statistics, and even crime rates in Crenshaw County can have a notable effect on insurance premiums.
  • Depth of Coverage: A policy with comprehensive coverage, collision, and higher liability limits can mean higher premiums.
  • Deductible Choices: Higher deductibles can lead to lower premiums, but they also mean more out-of-pocket costs during claims
  • Available Discounts: Many factors, from defensive driving courses to anti-theft devices in vehicles, can lead to discounted rates.

In Crenshaw County, AL, car insurance is not just a legal necessity but also a significant component of financial planning for vehicle owners. While the landscape is shaped by major insurance players, it's the local agents that fine-tune the experience, ensuring residents secure policies that resonate with their needs. By understanding the foundational factors and engaging proactively in securing and comparing quotes, the residents of Crenshaw County can navigate the car insurance realm with confidence and clarity.

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

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

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

Crenshaw County Petrey Rutledge Glenwood Brantley Luverne
Average Insurance Rates $1,399 $1,397 $1,412 $1,356 $1,406 $1,400

Crenshaw 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 Crenshaw 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)
Crenshaw County $1,223 $1,033
Luverne $1,906 $1,610
Rutledge $1,231 $1,040
Glenwood $2,156 $1,821
Petrey $1,288 $1,088
Goshen $1,957 $1,653
Brantley $1,475 $1,246
Petrey-Highland Home $1,533 $1,295

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

Teenagers in Crenshaw 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 $4,540
20 Years $1,798
30 Years $1,385
40 Years $1,332
50 Years $1,234
60 Years $1,251
70 Years $1,456

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

Car owners in Crenshaw 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 $2,406 $392
3 Vehicles $3,609 $588
4 Vehicles $4,813 $783

Savings on 2 Vehicles bundle:$392

Savings on 3 Vehicles bundle:$588

Savings on 4 Vehicles bundle:$783

Crenshaw 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 Crenshaw County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Crenshaw County $1,399 $2,480
Luverne $1,400 $2,482
Rutledge $1,412 $2,504
Glenwood $1,356 $2,404
Petrey $1,397 $2,477
Goshen $1,419 $2,516
Brantley $1,406 $2,493
Petrey-Highland Home $1,392 $2,468

Crenshaw 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) $1,200
Excellent (740-799) $1,370
Good (670-739) $1,458
Average (580-669) $1,902
Poor (300-579) $2,282

Crenshaw 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
Al Snellgrove State Farm 1384 S Forest Ave, Luverne, 36049-7311 334-335-3431
Shane Anderson State Farm 5289 Vaughn Rd, Montgomery, 36116-1104 334-396-8808
Dockery & Associates Inc Nationwide 509 E Commerce St Ste 2, Greenville, 36037 (334) 382-3700
Aronov Insurance Inc Travelers 3500 EASTERN BLVD, MONTGOMERY, 36116 334-277-1000
Adrianne Dugan Allstate 9190 Boyd Cooper Pkwy, Montgomery, 36117 (334) 669-1263
Mims Insurance Agency None 1256 Perry Hill Road, Montgomery, 36109 None
Perry Hudson GEICO 5163 Atlanta Highway, Montgomery, 36109 334-260-0755
Courtney Combs State Farm 4137 Carmichael Rd Ste 120, Montgomery, 36106-3614 334-271-5900
Stephen W Nelson Nationwide 2800 Zelda Road Ste 200-2, Montgomery, 36106 (334) 272-7288
Hamrick & Associates, Llc Dba The Whitecotton Agency, Llc None 1736 West 2Nd St, Montgomery, 36106 None
Turner Insurance & Bonding Travelers 2601 BELL RD, MONTGOMERY, 36117 334-244-0004

Crenshaw 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 $1,461
Driver's Failure In Showing Documents +$136 $1,535
Driving With An Expired Registration +$144 $1,543
Driving At A Considerably Slow Pace +$304 $1,703
Using A Cellphone While Driving +$320 $1,719
Running A Red Light +$326 $1,725
Speeding +$343 $1,742
Driving A Vehicle Without The Required Permission +$435 $1,834
Driving With An Expired/Suspended License +$943 $2,342

Crenshaw 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 $1,343
Active Disabling Device $1,343
Tracking Device $1,315
Passive Disabling Device $1,301