Hobson City Auto Insurance Rates, Quotes, Agents & Reviews in AL

Hobson City, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hobson City, 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 Hobson City, 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.


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

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

Hobson City Munford West End-Cobb Town Anniston Oxford Saks
Average Insurance Rates $1,402 $1,472 $1,392 $1,370 $1,462 $1,422

Hobson City, 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 Hobson City, 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)
Hobson City $1,444 $1,220
Oxford $1,088 $919
West End-Cobb Town $1,920 $1,622
Anniston $1,620 $1,369
Saks $1,539 $1,300
Munford $1,271 $1,074
Weaver $1,808 $1,527
Alexandria $2,795 $2,361

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

Teenagers in Hobson City, 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 $4,549
20 Years $1,801
30 Years $1,388
40 Years $1,335
50 Years $1,236
60 Years $1,253
70 Years $1,459

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

Car owners in Hobson City, 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 $365
3 Vehicles $3,659 $547
4 Vehicles $4,879 $729

Savings on 2 Vehicles bundle:$365

Savings on 3 Vehicles bundle:$547

Savings on 4 Vehicles bundle:$729


Hobson City, 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 Hobson City, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Hobson City $1,402 $2,486
Oxford $1,462 $2,592
West End-Cobb Town $1,392 $2,468
Anniston $1,370 $2,429
Saks $1,422 $2,521
Munford $1,472 $2,610
Weaver $1,431 $2,537
Alexandria $1,447 $2,566

Hobson City, 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) $1,203
Excellent (740-799) $1,373
Good (670-739) $1,461
Average (580-669) $1,906
Poor (300-579) $2,287

Hobson City, 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
Dormon & Reynolds Insurance Inc Travelers 1227 LEIGHTON AVE, ANNISTON, 36207 256-237-1768
Chad Lincoln Allstate 1027 S Quintard Ave, Anniston, 36201 (256) 237-1100
The Parnell Insurance Agency Liberty Mutual Independent 400 SNOW ST, OXFORD, 36203 (256) 831-8887
Hans King Farmers 1317 Wilmer Ave Ste 104, Anniston, 36201 (256) 236-6565
Harris Mckay Co Inc None P O Box 1766, Anniston, 36202 None
Randy Jones & Associates Inc Nationwide 413 Quintard Ave, Anniston, 36201-5751 (256) 237-7508
Jay Barker Agency Allstate 3000 Eagle Pt Corp Dr Ste 5, Birmingham, 35242 (205) 995-4014
Ronald Hall Allstate 9729 Parkway E, Birmingham, 35215 (205) 833-5510
West Ins Agy Inc Allstate 203 Hamric Dr W, Oxford, 36203 (205) 831-0205
Jim Mundy Jr State Farm 6504 Old Springville Rd, Pinson, 35126-3183 205-854-0123
Mwa Insurance Holding Company Inc.-Dba-Insurance Liberty Mutual Independent 2225 Cahaba Valley Dr, BIRMINGHAM, 35242 (205) 995-1956
Bates-Roberts-Fowlkes & Jackson Insurance Travelers 1812 6Th Ave. South, Irondale, 35210 None

Hobson City, 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 $1,464
Driver's Failure In Showing Documents +$136 $1,538
Driving With An Expired Registration +$144 $1,546
Driving At A Considerably Slow Pace +$304 $1,706
Using A Cellphone While Driving +$321 $1,723
Running A Red Light +$327 $1,729
Speeding +$343 $1,745
Driving A Vehicle Without The Required Permission +$436 $1,838
Driving With An Expired/Suspended License +$945 $2,347

Hobson City, 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 $1,346
Active Disabling Device $1,346
Tracking Device $1,318
Passive Disabling Device $1,304