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

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

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


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

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

Luverne Petrey-Highland Home Goshen Glenwood Crenshaw County Rutledge
Average Insurance Rates $1,400 $1,392 $1,419 $1,356 $1,399 $1,412

Luverne, 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 Luverne, 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)
Luverne $1,906 $1,610
Crenshaw County $1,223 $1,033
Rutledge $1,231 $1,040
Glenwood $2,156 $1,821
Petrey $1,288 $1,088
Goshen $1,957 $1,653
Brantley $1,475 $1,246
Petrey-Highland Home $1,533 $1,295

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

Teenagers in Luverne, 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 $4,543
20 Years $1,799
30 Years $1,386
40 Years $1,333
50 Years $1,234
60 Years $1,252
70 Years $1,457

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

Car owners in Luverne, 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 $2,408 $392
3 Vehicles $3,612 $588
4 Vehicles $4,816 $784

Savings on 2 Vehicles bundle:$392

Savings on 3 Vehicles bundle:$588

Savings on 4 Vehicles bundle:$784


Luverne, 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 Luverne, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Luverne $1,400 $2,482
Crenshaw County $1,399 $2,480
Rutledge $1,412 $2,504
Glenwood $1,356 $2,404
Petrey $1,397 $2,477
Goshen $1,419 $2,516
Brantley $1,406 $2,493
Petrey-Highland Home $1,392 $2,468

Luverne, 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) $1,201
Excellent (740-799) $1,371
Good (670-739) $1,459
Average (580-669) $1,903
Poor (300-579) $2,284

Luverne, 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
Al Snellgrove State Farm 1384 S Forest Ave, Luverne, 36049-7311 334-335-3431
Dockery & Associates Inc Nationwide 509 E Commerce St Ste 2, Greenville, 36037 (334) 382-3700
Tyna Carter State Farm 5343 Young Barn Rd, Montgomery, 36106-3182 334-272-5433
Hamrick & Associates, Llc Dba The Whitecotton Agency, Llc None 1736 West 2Nd St, Montgomery, 36106 None
Breck Honea State Farm 61 Market Place - Atlanta Hwy, Montgomery, 36117-4910 334-272-8423
Hazard Bentley Allstate 3614 Debby Dr, Montgomery, 36111 (334) 288-2000
William King Farmers 1760 Platt Pl, Montgomery, 36117 (334) 271-5545
Cedric Bradford State Farm 420 South Lawrence Street, Montgomery, 36104-4220 334-262-5100
Harmon Dennis Bradshaw Inc Liberty Mutual Independent 7115 HALCYON SUMMIT DR, MONTGOMERY, 36117 334-273-7277

Luverne, 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 $1,462
Driver's Failure In Showing Documents +$136 $1,536
Driving With An Expired Registration +$144 $1,544
Driving At A Considerably Slow Pace +$304 $1,704
Using A Cellphone While Driving +$321 $1,721
Running A Red Light +$326 $1,726
Speeding +$343 $1,743
Driving A Vehicle Without The Required Permission +$435 $1,835
Driving With An Expired/Suspended License +$944 $2,344

Luverne, 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 $1,344
Active Disabling Device $1,344
Tracking Device $1,316
Passive Disabling Device $1,302