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

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

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


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

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

Hurtsboro Little Texas-Society Hill Crawford Midway Cottonton-Seale Beauregard-Marvyn
Average Insurance Rates $1,388 $1,390 $1,472 $1,386 $1,411 $1,461

Hurtsboro, 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 Hurtsboro, 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)
Hurtsboro $1,502 $1,268
Russell County $2,784 $2,352
Cottonton-Seale $1,683 $1,422
Warriorstand-Creek Stand $1,306 $1,103
Crawford $932 $787
Midway $1,439 $1,215
Little Texas-Society Hill $1,335 $1,128
Beauregard-Marvyn $1,109 $937

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

Teenagers in Hurtsboro, 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 $4,504
20 Years $1,783
30 Years $1,374
40 Years $1,322
50 Years $1,224
60 Years $1,241
70 Years $1,444

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

Car owners in Hurtsboro, 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 $2,443 $333
3 Vehicles $3,664 $500
4 Vehicles $4,886 $666

Savings on 2 Vehicles bundle:$333

Savings on 3 Vehicles bundle:$500

Savings on 4 Vehicles bundle:$666


Hurtsboro, 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 Hurtsboro, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Hurtsboro $1,388 $2,461
Russell County $1,441 $2,555
Cottonton-Seale $1,411 $2,502
Warriorstand-Creek Stand $1,408 $2,496
Crawford $1,472 $2,610
Midway $1,386 $2,457
Little Texas-Society Hill $1,390 $2,464
Beauregard-Marvyn $1,461 $2,590

Hurtsboro, 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) $1,191
Excellent (740-799) $1,359
Good (670-739) $1,446
Average (580-669) $1,887
Poor (300-579) $2,264

Hurtsboro, 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 +$61 $1,449
Driver's Failure In Showing Documents +$135 $1,523
Driving With An Expired Registration +$143 $1,531
Driving At A Considerably Slow Pace +$301 $1,689
Using A Cellphone While Driving +$318 $1,706
Running A Red Light +$323 $1,711
Speeding +$340 $1,728
Driving A Vehicle Without The Required Permission +$432 $1,820
Driving With An Expired/Suspended License +$936 $2,324

Hurtsboro, 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 $1,332
Active Disabling Device $1,332
Tracking Device $1,305
Passive Disabling Device $1,291