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

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

Zimlon, through its research, found that car owners in Danville, 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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Danville, AL Car Insurance Rates: Factors and Comparisons

Car insurance rates can vary significantly depending on a myriad of factors. Danville, Alabama, is no exception. If you're looking to understand the insurance landscape in this city, it's crucial to evaluate the prominent players, analyze the role of quotes, rates, and agents, and identify local factors that sway insurance prices.

Prominent Competitors and Their Pricing

  • State Farm: A leading insurance provider, their rates in Danville typically span from $1,200 to $1,430 annually.
  • Geico: Known for competitive pricing, Geico's annual rates in Danville fall between $1,180 and $1,400.
  • Progressive: With its diverse policy offerings, Danville residents can expect rates ranging from $1,210 to $1,450 annually.
  • Allstate: Catering to various needs, Allstate's rates in Danville hover around $1,240 to $1,490 per year.

Understanding Quotes, Rates, & Agents

  • Quotes: These are personalized projections based on specifics such as vehicle type, driving history, and individual age. Quotes offer a snapshot of your potential insurance costs in Danville.
  • Rates: This is the broader picture. Rates present the average insurance expenses in Danville, providing a benchmark for residents to compare their potential costs.
  • Agents: These are your navigators in the insurance world. Agents simplify policy intricacies, spot possible discounts, and ensure the insurance fits your unique needs.

Factors Influencing Insurance Rates in Danville

  • Demographic Details: Rates can differ based on age, gender, and marital status. For instance, younger drivers, due to perceived risks, usually face higher premiums.
  • Driving Record: A clean record can command lower premiums. Conversely, a history peppered with infractions or accidents can hike up costs.
  • Vehicle Characteristics: The age, make, model, and safety features of your car can all impact insurance rates.
  • Local Factors: Specifics like Danville's crime rate, road quality, and local traffic patterns can influence insurance prices.
  • Coverage Extent: Opting for comprehensive coverage will typically have higher premiums compared to a basic liability plan.
  • Chosen Deductible: A high deductible can mean lower annual premiums but necessitates a higher out-of-pocket payment when making a claim.
  • Discounts: Safe driving records, bundling policies, or even installing anti-theft devices can all open doors to potential savings on your premiums.

When navigating the car insurance landscape in Danville, AL, awareness is key. Recognizing the top providers, understanding the essence of quotes, rates, and agents, and being informed about influencing factors can empower residents to make sound insurance decisions tailored to their needs.

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

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

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

Danville Falkville Decatur Hartselle Morris Chapel Speake-Oakville
Average Insurance Rates $1,456 $1,422 $1,385 $1,473 $1,418 $1,411

Danville, 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 Danville, 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)
Danville $1,446 $1,221
Speake-Oakville $2,428 $2,051
Hartselle $1,062 $897
Falkville $1,569 $1,325
Decatur $1,443 $1,219
Morris Chapel $1,314 $1,110
Morgan County $1,500 $1,267
West Point $1,109 $937

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

Teenagers in Danville, 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 $4,724
20 Years $1,871
30 Years $1,441
40 Years $1,386
50 Years $1,284
60 Years $1,302
70 Years $1,515

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

Car owners in Danville, 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 $2,504 $408
3 Vehicles $3,756 $612
4 Vehicles $5,009 $815

Savings on 2 Vehicles bundle:$408

Savings on 3 Vehicles bundle:$612

Savings on 4 Vehicles bundle:$815

Danville, 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 Danville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Danville $1,456 $2,582
Speake-Oakville $1,411 $2,502
Hartselle $1,473 $2,612
Falkville $1,422 $2,521
Decatur $1,385 $2,456
Morris Chapel $1,418 $2,514
Morgan County $1,456 $2,582
West Point $1,411 $2,502

Danville, 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) $1,249
Excellent (740-799) $1,426
Good (670-739) $1,517
Average (580-669) $1,979
Poor (300-579) $2,375

Danville, 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 Holifield State Farm 603 Main St W, Hartselle, 35640-2433 256-773-6575
Curtis J Wofford Allstate 1319 6th Ave SE, Decatur, 35601 (256) 353-4734
Peck-Glasgow Agency Inc Travelers 1612 Hwy 31 Sw, Hartselle, 35640 None
Richard Mueller Allstate 2205 Graham Ave SW Ste C, Decatur, 35601 (256) 350-7800
Bill Burdette State Farm 1210 Highway 31 NW Ste B, Hartselle, 35640-4434 256-773-0465
Nancy Hardin Lutcf Farmers 503 Highway 31 NW, Hartselle, 35640 (256) 773-2698
Johnny Jackson Kilgro Jr Nationwide 520 14th Ave SE, Decatur, 35601 (256) 350-9434
Schrader-Broughton Inc Travelers 250 Governors Dr Ste F, Huntsville, 35801 None

Danville, 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 +$64 $1,520
Driver's Failure In Showing Documents +$141 $1,597
Driving With An Expired Registration +$150 $1,606
Driving At A Considerably Slow Pace +$316 $1,772
Using A Cellphone While Driving +$333 $1,789
Running A Red Light +$339 $1,795
Speeding +$357 $1,813
Driving A Vehicle Without The Required Permission +$453 $1,909
Driving With An Expired/Suspended License +$981 $2,437

Danville, 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 $1,398
Active Disabling Device $1,398
Tracking Device $1,369
Passive Disabling Device $1,354