Madison, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Madison, 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.
Auto Insurance Rates in Madison, AL
The average cost of car insurance in Madison, AL is $1407 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.
The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.
Based on deductibles
To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Madison, AL can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Madison car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Madison this difference is $1465 and $1237 respectively.
Auto Insurance Cost in Madison Based on deductibles in nearby cities
Multi Car Insurance Rates
Madison, AL car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Madison car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Madison, insurance companies provide $422 and $633 off on 2 vehicles bundle and 3 vehicles bundle respectively. One can save $844 on auto insurance by bundling 4 vehicles in Madison.
Based on the credit score
In most of the states credit score is a major rating factor. Car owners with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Madison car owners with a good credit score pay only $1207 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2,295.
Based on age of the car owner
Teenagers and young residents of Madison pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver is $4565 while 30-50 year olds can expect to find cheaper rates at less than $1392-$1241 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.
Factors that can influence the cost of car insurance in Madison, 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.
- Madison, AL Auto Insurance Rates
- Madison, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Madison, AL
- Multi Vehicle Insurance Savings in Madison, AL
- How Credit Score Affects Car Insurance Rates in Madison, AL
- How DUI Affects Auto Insurance Premiums in Madison, AL
- Top Auto Insurance Agents Near Madison, AL
- How Driving Violations Affect Auto Insurance Rates in Madison, AL
- Madison, AL Auto Insurance Discounts on Anti Theft Feature
- Madison, AL Auto Insurance Company Reviews
Madison, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Madison, AL with that of other cities in and around Madison.
|Madison||Harvest||Madison County||Redstone Arsenal||Triana||Mooresville|
|Average Insurance Rates||$1,407||$1,480||$1,166||$1,953||$1,557||$1,547|
Madison, 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 Madison, 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)|
Madison, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Madison, 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|
Madison, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Madison, 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|
Savings on 2 Vehicles bundle:$422
Savings on 3 Vehicles bundle:$633
Savings on 4 Vehicles bundle:$844
Madison, 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 Madison, AL.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Madison, 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|
Madison, 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|
|Jeff Knight||Allstate||7185 Highway 72 W Ste B, Madison, 35758||(256) 722-3909|
|Candi Williams||State Farm||1047 Jeff Rd NW Ste 5, Huntsville, 35806-4232||256-382-7884|
|Alex Adams Jr.||Allstate||2413 Jordan Ln NW Ste B, Huntsville, 35816||(256) 722-2045|
|Tim Barron||State Farm||151 Hughes Rd Ste A, Madison, 35758-1100||256-772-0136|
|Brian Wiggins||State Farm||8871 Madison Blvd Ste A, Madison, 35758-1807||256-772-8407|
|Mark Roller||State Farm||410 Jordan Ln NW, Huntsville, 35805-2624||256-533-4730|
|Diana Fisher||State Farm||1662 Slaughter Rd, Madison, 35758-8610||256-325-7283|
|Carl Barton||State Farm||1101 Monroe St SW, Huntsville, 35801-5030||256-551-0711|
|Ea-Benefit Advisory Group Inc||Travelers||4717 UNIVERSITY DR STE 114, HUNTSVILLE, 35816||256-837-2755|
|Benefit Advisory Group, Inc.||None||4717 University Dr Ste 114, Huntsville, 35816||None|
Madison, 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||$1,469|
|Driver's Failure In Showing Documents||+$136||$1,543|
|Driving With An Expired Registration||+$145||$1,552|
|Driving At A Considerably Slow Pace||+$305||$1,712|
|Using A Cellphone While Driving||+$322||$1,729|
|Running A Red Light||+$328||$1,735|
|Driving A Vehicle Without The Required Permission||+$438||$1,845|
|Driving With An Expired/Suspended License||+$948||$2,355|
Madison, 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|
|Active Disabling Device||$1,351|
|Passive Disabling Device||$1,309|
Latest Auto Insurance Reviews in Madison, AL | Back to Top
I would recommend this company because the low premium. The discount I get from them is also a big plus.
My premium and deductible are fair costs in my opinion since I have asked many questions of the costs involved to my agent.
Coverage is the same as other companies, as I have comparison shopped and my broker has as well. I am completely satisfied with what I get.