Crossville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Crossville, 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.
Shedding Light on Car Insurance Rates in Crossville, AL
Situated in DeKalb County, Crossville, AL, embodies the Southern charm characteristic of Alabama's towns. Like every city across the state, its residents understand the importance of car insurance both as a legal requisite and a vital protective measure. This article aims to cast a spotlight on car insurance rates in Crossville, highlighting key competitors, exploring the domain of quotes, rates, and agents, and touching on the elements that sway insurance rates in the city.
Prominent Competitors and Their Rates
- State Farm: A frontrunner in the insurance arena, State Farm's yearly premiums for Crossville residents typically hover between $1,250 and $1,470.
- Geico: Another stalwart in the national insurance scene, Geico's rates for the city range from $1,220 to $1,410 annually.
- Progressive: Catering to a broad spectrum of clients, Progressive's rates in Crossville average between $1,260 and $1,480 annually.
- Allstate: With its diverse policy offerings, Allstate's rates for Crossville residents generally fluctuate between $1,290 and $1,520.
Dissecting Quotes, Rates & Agents
- Quotes: Personalized and detailed, quotes give drivers an insight into potential insurance costs, taking into account individual factors like driving history, age, and vehicle type.
- Rates: Rates are more generic, offering an average of the insurance costs for a region, which in this case is Crossville. They guide consumers in setting expectations.
- Agents: The bridge between insurance companies and clients, agents help demystify policies, highlight potential discounts, and personalize coverage based on individual needs.
Influential Factors for Insurance Rates in Crossville, AL
- Demographics: Factors such as age, gender, and marital status significantly influence premiums. Young drivers, especially those under 25, often face higher rates.
- Driving Record: A clean slate can lead to discounts, while histories marred with violations or accidents can lead to elevated premiums.
- Vehicle Aspects: The make, model, age, and type of a vehicle play a part in determining rates. Luxury or high-maintenance vehicles might attract higher premiums.
- City-specific Variables: Conditions unique to Crossville, like traffic density, local crime rates, and even road conditions, impact insurance rates.
- Coverage Level: Premiums can vary based on the extent of coverage. Comprehensive plans with added benefits tend to cost more.
- Deductible Choices: A high deductible usually results in lower annual premiums but implies more out-of-pocket costs during claims.
- Eligible Discounts: From multi-car discounts to good student reductions, there are myriad ways premiums can be lowered based on individual qualifications.
For residents of Crossville, AL, understanding car insurance is a blend of comprehending what the major market players offer and how local agents fine-tune this offering to individual needs. With a grasp of the influencing factors and an active stance in obtaining and comparing quotes, the people of Crossville can confidently navigate the insurance landscape, ensuring optimal protection for themselves and their vehicles.
Factors that can influence the cost of car insurance in Crossville, 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.
- Crossville, AL Auto Insurance Rates
- Crossville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Crossville, AL
- Multi Vehicle Insurance Savings in Crossville, AL
- How Credit Score Affects Car Insurance Rates in Crossville, AL
- How DUI Affects Auto Insurance Premiums in Crossville, AL
- Top Auto Insurance Agents Near Crossville, AL
- How Driving Violations Affect Auto Insurance Rates in Crossville, AL
- Crossville, AL Auto Insurance Discounts on Anti Theft Feature
Crossville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Crossville, AL with that of other cities in and around Crossville.
| Crossville | Geraldine | Collinsville | Wills Valley | Whitesboro | Sardis City | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,389 | $1,416 | $1,408 | $1,406 | $1,401 | $1,463 |
Crossville, 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 Crossville, 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) |
|---|---|---|
| Crossville | $1,431 | $1,208 |
| Whitesboro | $1,251 | $1,057 |
| Geraldine | $1,443 | $1,219 |
| Collinsville | $2,423 | $2,046 |
| Wills Valley | $1,350 | $1,141 |
| Sardis City | $1,712 | $1,446 |
| Boaz | $1,327 | $1,121 |
| Mountainboro | $2,200 | $1,858 |
Crossville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Crossville, 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 | $4,507 |
| 20 Years | $1,785 |
| 30 Years | $1,375 |
| 40 Years | $1,323 |
| 50 Years | $1,225 |
| 60 Years | $1,242 |
| 70 Years | $1,446 |
Crossville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Crossville, 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 | $2,417 | $361 |
| 3 Vehicles | $3,625 | $542 |
| 4 Vehicles | $4,834 | $722 |
Savings on 2 Vehicles bundle:$361
Savings on 3 Vehicles bundle:$542
Savings on 4 Vehicles bundle:$722
Crossville, 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 Crossville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Crossville | $1,389 | $2,463 |
| Whitesboro | $1,401 | $2,484 |
| Geraldine | $1,416 | $2,511 |
| Collinsville | $1,408 | $2,496 |
| Wills Valley | $1,406 | $2,493 |
| Sardis City | $1,463 | $2,594 |
| Boaz | $1,437 | $2,548 |
| Mountainboro | $1,432 | $2,539 |
Crossville, 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) | $1,192 |
| Excellent (740-799) | $1,360 |
| Good (670-739) | $1,447 |
| Average (580-669) | $1,888 |
| Poor (300-579) | $2,266 |
Crossville, 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 |
|---|---|---|---|
| Michael Higdon | Allstate | 1024 Blount Ave, Guntersville, 35976 | (256) 582-1239 |
| Keith Holland | State Farm | 201 N Main St Ste E, Boaz, 35957-1643 | 256-593-0135 |
| Rickey R Holland | Allstate | 12780 US Highway 431 Ste 2, Boaz, 35956 | (256) 840-9422 |
| Roger Hedgepeth | State Farm | 4 Justice St S, Crossville, 35962 | 256-528-7111 |
| Phillip Walker | Farmers | 768 Us Highway 431, Boaz, 35957 | (256) 593-2000 |
| Ken Davis | State Farm | 3503 Memorial Pkwy NW Ste Ea, Huntsville, 35810-2414 | 256-489-5450 |
| River Tree Insurance Services, Inc | None | 2603 Artie St Sw Suite 15, Huntsville, 35805 | (256) 690-5645 |
| Adamson Insurance Agency Dba R.M.I. | None | 167 Hwy 431 S Boaz, Albertville, 35957 | None |
| Ea-Southern States Insurance | Travelers | 3315 S MEMORIAL PKWY STE A, HUNTSVILLE, 35801 | 256-880-3319 |
| C.J. Monte | State Farm | 131 Old Highway 431, Hampton Cove, 35763-9255 | 256-517-1550 |
Crossville, 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 | +$61 | $1,450 |
| Driver's Failure In Showing Documents | +$135 | $1,524 |
| Driving With An Expired Registration | +$143 | $1,532 |
| Driving At A Considerably Slow Pace | +$301 | $1,690 |
| Using A Cellphone While Driving | +$318 | $1,707 |
| Running A Red Light | +$324 | $1,713 |
| Speeding | +$340 | $1,729 |
| Driving A Vehicle Without The Required Permission | +$432 | $1,821 |
| Driving With An Expired/Suspended License | +$936 | $2,325 |
Crossville, 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 | $1,333 |
| Active Disabling Device | $1,333 |
| Tracking Device | $1,306 |
| Passive Disabling Device | $1,292 |