Emerald Mountain Auto Insurance Rates, Quotes, Agents & Reviews in AL

Emerald Mountain, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Emerald Mountain, 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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Factors that can influence the cost of car insurance in Emerald Mountain, 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.


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

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

Emerald Mountain Mount Meigs Wetumpka Shorter Blue Ridge Tallassee
Average Insurance Rates $1,557 $1,553 $1,505 $1,401 $1,603 $1,459

Emerald Mountain, 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 Emerald Mountain, 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)
Emerald Mountain $2,224 $1,878
Redland $2,303 $1,945
Blue Ridge $1,391 $1,175
Mount Meigs $1,324 $1,118
Wetumpka $949 $801
Shorter $2,709 $2,288
Tallassee $1,976 $1,669
Elmore County $1,279 $1,081

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

Teenagers in Emerald Mountain, 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 $5,052
20 Years $2,001
30 Years $1,541
40 Years $1,483
50 Years $1,373
60 Years $1,392
70 Years $1,620

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

Car owners in Emerald Mountain, 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 $2,709 $405
3 Vehicles $4,064 $607
4 Vehicles $5,418 $810

Savings on 2 Vehicles bundle:$405

Savings on 3 Vehicles bundle:$607

Savings on 4 Vehicles bundle:$810


Emerald Mountain, 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 Emerald Mountain, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Emerald Mountain $1,557 $2,761
Redland $1,574 $2,791
Blue Ridge $1,603 $2,842
Mount Meigs $1,553 $2,753
Wetumpka $1,505 $2,668
Shorter $1,401 $2,484
Tallassee $1,459 $2,587
Elmore County $1,439 $2,551

Emerald Mountain, 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) $1,336
Excellent (740-799) $1,525
Good (670-739) $1,622
Average (580-669) $2,117
Poor (300-579) $2,540

Emerald Mountain, 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
Ken Bishop State Farm 2101 Eastern Blvd Ste 111, Montgomery, 36117-1610 334-277-6655
Premiere Agency Network Llc Liberty Mutual Independent 1712 TALIAFERRO TRL, MONTGOMERY, 36117 (334) 551-1111
David Robertson Farmers 8220 Old Federal Rd, Montgomery, 36117 (334) 271-4800
Stefan Slade State Farm 7742 Atlanta Hwy, Montgomery, 36117-4241 334-277-1109
Davenport Agency Nationwide 441 N Eastern Blvd, Montgomery, 36117-2211 (334) 271-1610
Brian Hill Farmers 74531 Tallassee Hwy, Wetumpka, 36092 (334) 567-9020
Diane Stokes State Farm 11123 Chantilly Pkwy Ct Unit O, Pike Road, 36064-2881 334-271-4723
William King Farmers 1760 Platt Pl, Montgomery, 36117 (334) 271-5545
Dockery & Associates Inc Nationwide 6781 Taylor Circle, Montgomery, 36117 (334) 277-6991
Joe Hall State Farm 6940 Vaughn Road, Montgomery, 36116-1368 334-270-2723

Emerald Mountain, 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 +$69 $1,626
Driver's Failure In Showing Documents +$151 $1,708
Driving With An Expired Registration +$160 $1,717
Driving At A Considerably Slow Pace +$338 $1,895
Using A Cellphone While Driving +$357 $1,914
Running A Red Light +$363 $1,920
Speeding +$381 $1,938
Driving A Vehicle Without The Required Permission +$484 $2,041
Driving With An Expired/Suspended License +$1,049 $2,606

Emerald Mountain, 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 $1,495
Active Disabling Device $1,495
Tracking Device $1,464
Passive Disabling Device $1,448