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

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

Zimlon, through its research, found that car owners in Geneva, 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 Geneva, 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.

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

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

Geneva Bellwood-Coffee Springs Eunola Samson Hartford Geneva County
Average Insurance Rates $1,418 $1,445 $1,953 $1,388 $1,433 $1,411

Geneva, 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 Geneva, 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)
Geneva $1,278 $1,080
Eunola $2,012 $1,699
Geneva County $1,621 $1,369
Bellwood-Coffee Springs $1,438 $1,215
Coffee Springs $1,595 $1,348
Black $1,461 $1,234
Hartford $1,483 $1,253
Samson $1,034 $873

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

Teenagers in Geneva, 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 $4,601
20 Years $1,822
30 Years $1,403
40 Years $1,350
50 Years $1,250
60 Years $1,268
70 Years $1,476

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

Car owners in Geneva, 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 $2,439 $397
3 Vehicles $3,658 $596
4 Vehicles $4,878 $794

Savings on 2 Vehicles bundle:$397

Savings on 3 Vehicles bundle:$596

Savings on 4 Vehicles bundle:$794

Geneva, 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 Geneva, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Geneva $1,418 $2,514
Eunola $1,953 $3,463
Geneva County $1,411 $2,502
Bellwood-Coffee Springs $1,445 $2,562
Coffee Springs $1,409 $2,498
Black $1,391 $2,466
Hartford $1,433 $2,541
Samson $1,388 $2,461

Geneva, 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) $1,217
Excellent (740-799) $1,389
Good (670-739) $1,478
Average (580-669) $1,928
Poor (300-579) $2,313

Geneva, 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 Cornett State Farm 806 Boll Weevil Cir, Enterprise, 36330-2079 334-347-3276
Melanie Garner State Farm 112 S Commerce St, Geneva, 36340-2211 334-684-3627
Mark Goodson Allstate 804 Boll Weevil Cir, Enterprise, 36330 (334) 347-3333
Mary Grimes Farmers 1208 Rucker Blvd Ste B, Enterprise, 36330 (334) 347-2544
Brad Snellgrove Allstate 702 S Main St, Enterprise, 36330 (334) 475-4448
Etheridge Insurance Agency None Po Box 909, Geneva, 36340 None
Sconyers Ins Agcy Inc None P O Box 87, Geneva, 36340 None
Witherington Ins Agency Inc Liberty Mutual Independent 1200 ELBA HWY, TROY, 36079 334-566-1477

Geneva, 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 +$62 $1,480
Driver's Failure In Showing Documents +$138 $1,556
Driving With An Expired Registration +$146 $1,564
Driving At A Considerably Slow Pace +$308 $1,726
Using A Cellphone While Driving +$325 $1,743
Running A Red Light +$330 $1,748
Speeding +$347 $1,765
Driving A Vehicle Without The Required Permission +$441 $1,859
Driving With An Expired/Suspended License +$956 $2,374

Geneva, 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 $1,361
Active Disabling Device $1,361
Tracking Device $1,333
Passive Disabling Device $1,319