Deatsville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Deatsville, 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.
Assessing Car Insurance Rates in Deatsville, AL: A Detailed Overview
Navigating through the intricate mesh of car insurance rates involves a careful examination of various parameters, including competitor pricing, quoting methodologies, agent interactions, and rate determinants. In this comprehensive dissection, we intend to spotlight the insurance sphere in Deatsville, AL, revealing insights that can guide consumers toward astute policy selections.
Spotlight on Major Competitors and Their Offerings
The insurance market is pulsating with various players, each bringing distinct offerings to the table. While actual rates are subject to change due to various factors, a general guide is provided below based on general practices and customer reviews:
- State Farm: Known for a solid reputation and diverse policy options, State Farm's premiums often hover between $1,200 and $1,500 annually.
- Geico: Celebrated for its cost-effectiveness, Geico’s yearly rates are typically positioned between $1,100 and $1,400.
- Allstate: Offering a broad spectrum of coverage options, Allstate’s annual rates usually range from $1,180 to $1,450.
- Progressive: Recognized for its consumer-friendly approaches, Progressive’s annual premiums generally fall between $1,150 and $1,420.
Diving into Quotes, Rates, & Agents
- Quotes: These provide an initial peek into the potential insurance premium, drawing upon factors like driving history, vehicle specifics, and personal demographic information.
- Rates: These represent the average expenditure that consumers in a specified area might expect to incur for their car insurance.
- Agents: Facilitators of the insurance journey, agents assist in tailoring policies to meet individual needs and navigating through policy comparisons and purchases.
Factors Modulating Insurance Rates in Deatsville, AL
A multitude of factors come into play when formulating insurance rates in Deatsville:
- Demographic Dynamics: The age, gender, and marital status of drivers play a pivotal role in determining premium amounts.
- Vehicle Nuances: The age, make, model, and safety features of a vehicle can influence the rates significantly.
- Geographical Factors: Localized aspects such as crime rates, accident-prone areas, and environmental risks are instrumental in shaping premiums.
- Driving Record: A clean driving history generally propels towards favorable rates, while a blotched record can elevate premiums.
- Coverage Spectrum: The expansiveness of coverage and deductible selections directly influence policy costs.
- Regulatory Framework: State and local mandates regarding minimum insurance coverage impact baseline premium structures.
Assessing the car insurance landscape in Deatsville, AL, involves a multilayered exploration through competitor offerings, understanding quote formulations, recognizing the role of insurance agents, and identifying the variables influencing rate determination. This analytical journey is paramount in ensuring that residents and prospective insurers are well-armed with the knowledge needed to craft insurance policies that are not only financially prudent but also intrinsically aligned with their individual protective needs.
Factors that can influence the cost of car insurance in Deatsville, 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.
- Deatsville, AL Auto Insurance Rates
- Deatsville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Deatsville, AL
- Multi Vehicle Insurance Savings in Deatsville, AL
- How Credit Score Affects Car Insurance Rates in Deatsville, AL
- How DUI Affects Auto Insurance Premiums in Deatsville, AL
- Top Auto Insurance Agents Near Deatsville, AL
- How Driving Violations Affect Auto Insurance Rates in Deatsville, AL
- Deatsville, AL Auto Insurance Discounts on Anti Theft Feature
Deatsville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Deatsville, AL with that of other cities in and around Deatsville.
| Deatsville | Coosada | Pine Level | Holtville | Millbrook | Marbury | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,481 | $1,487 | $1,478 | $1,498 | $1,475 | $1,447 |
Deatsville, 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 Deatsville, 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) |
|---|---|---|
| Deatsville | $1,525 | $1,288 |
| Holtville | $1,480 | $1,250 |
| Pine Level | $1,720 | $1,453 |
| Titus | $2,883 | $2,435 |
| Elmore | $1,630 | $1,377 |
| Millbrook | $1,012 | $855 |
| Marbury | $1,656 | $1,399 |
| Coosada | $2,068 | $1,747 |
Deatsville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Deatsville, 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 | $4,806 |
| 20 Years | $1,903 |
| 30 Years | $1,466 |
| 40 Years | $1,410 |
| 50 Years | $1,306 |
| 60 Years | $1,324 |
| 70 Years | $1,541 |
Deatsville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Deatsville, 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 | $2,547 | $415 |
| 3 Vehicles | $3,821 | $622 |
| 4 Vehicles | $5,095 | $829 |
Savings on 2 Vehicles bundle:$415
Savings on 3 Vehicles bundle:$622
Savings on 4 Vehicles bundle:$829
Deatsville, 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 Deatsville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Deatsville | $1,481 | $2,626 |
| Holtville | $1,498 | $2,656 |
| Pine Level | $1,478 | $2,621 |
| Titus | $1,494 | $2,649 |
| Elmore | $1,473 | $2,612 |
| Millbrook | $1,475 | $2,615 |
| Marbury | $1,447 | $2,566 |
| Coosada | $1,487 | $2,636 |
Deatsville, 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) | $1,271 |
| Excellent (740-799) | $1,450 |
| Good (670-739) | $1,543 |
| Average (580-669) | $2,013 |
| Poor (300-579) | $2,416 |
Deatsville, 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 |
|---|---|---|---|
| Liveoak Agency Inc | Travelers | 4791 MAIN ST, MILLBROOK, 36054 | 334-285-2881 |
| Gene Jones Insurance Agency Inc | Travelers | 3347 HIGHWAY 14, MILLBROOK, 36054 | 334-285-1700 |
| Willis Insurance Services Of California Inc | Travelers | 201 MONROE ST RSA TWR SUITE 2150, MONTGOMERY, 36104 | 334-264-8282 |
| Mike Devers | State Farm | 100 Deatsville Hwy, Millbrook, 36054 | 334-285-3662 |
| The Family Agency | Allstate | 37 Buck Creek Plz Ste 100, Alabaster, 35007 | (205) 664-1892 |
| R R Smith Insurance Agency Llc | None | 291 Hilltop Cir , Deatsville, 36022 | None |
| Kelley Summerlin | Farmers | 126 1st Ave W Ste B, Alabaster, 35007 | (205) 358-8035 |
Deatsville, 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 | $1,546 |
| Driver's Failure In Showing Documents | +$144 | $1,625 |
| Driving With An Expired Registration | +$153 | $1,634 |
| Driving At A Considerably Slow Pace | +$321 | $1,802 |
| Using A Cellphone While Driving | +$339 | $1,820 |
| Running A Red Light | +$345 | $1,826 |
| Speeding | +$363 | $1,844 |
| Driving A Vehicle Without The Required Permission | +$461 | $1,942 |
| Driving With An Expired/Suspended License | +$998 | $2,479 |
Deatsville, 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 | $1,422 |
| Active Disabling Device | $1,422 |
| Tracking Device | $1,392 |
| Passive Disabling Device | $1,377 |