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

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.

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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 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