Madison Crossroads Auto Insurance Rates, Quotes, Agents & Reviews in AL

Madison Crossroads, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Madison Crossroads, 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 Madison Crossroads, 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 Crossroads, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Madison Crossroads Ardmore Hazel Green Ardmore Harvest Moores Mill
Average Insurance Rates $1,440 $1,435 $1,454 $1,419 $1,480 $1,490

Madison Crossroads, 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 Crossroads, 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 Crossroads $1,490 $1,259
Harvest $1,466 $1,238
Ardmore $1,174 $992
Meridianville $1,261 $1,065
Hazel Green $1,498 $1,265
Ardmore $1,462 $1,235
Park City $1,495 $1,262
Moores Mill $1,473 $1,244

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

Teenagers in Madison Crossroads, 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 $4,673
20 Years $1,850
30 Years $1,425
40 Years $1,371
50 Years $1,270
60 Years $1,287
70 Years $1,499

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

Car owners in Madison Crossroads, 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 $2,534 $346
3 Vehicles $3,802 $518
4 Vehicles $5,069 $691

Savings on 2 Vehicles bundle:$346

Savings on 3 Vehicles bundle:$518

Savings on 4 Vehicles bundle:$691


Madison Crossroads, 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 Crossroads, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Madison Crossroads $1,440 $2,553
Harvest $1,480 $2,624
Ardmore $1,435 $2,544
Meridianville $1,502 $2,663
Hazel Green $1,454 $2,578
Ardmore $1,419 $2,542
Park City $1,407 $2,521
Moores Mill $1,490 $2,642

Madison Crossroads, 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) $1,235
Excellent (740-799) $1,410
Good (670-739) $1,501
Average (580-669) $1,958
Poor (300-579) $2,349

Madison Crossroads, 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
Eddie Breakfield State Farm 114 N Marion St, Athens, 35611-2538 256-232-1238
Phillip Gibson Allstate 12819 Highway 231 431 N, Hazel Green, 35750 (256) 828-0355
Rhonda Moore Farmers 12875 Highway 231 431 N, Hazel Green, 35750 (256) 828-7797
Mike Hawkins State Farm 333 Whitesport Dr SW Ste 102, Huntsville, 35801-3455 256-883-8803
Michael Higdon Allstate 1109 Jordan Ln NW Ste A, Huntsville, 35816 (256) 837-8740
Brad Tank Allstate 1785 Hwy 72 E Ste C, Athens, 35611 (256) 771-7540
North Alabama Insurance Agency Travelers 30484 ARDMORE AVENUE, ARDMORE, 35739 256-423-2141
Affordable Insurance Services None 2115 S. Jefferson Street, Athens, 35611 None
Brian King State Farm 1785 Us Highway 72 E Ste A, Athens, 35611-5155 256-771-2001
Dale Deason State Farm 1001 Jefferson Street SE, Athens, 35612-0856 256-306-0069

Madison Crossroads, 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 +$63 $1,503
Driver's Failure In Showing Documents +$140 $1,580
Driving With An Expired Registration +$148 $1,588
Driving At A Considerably Slow Pace +$312 $1,752
Using A Cellphone While Driving +$330 $1,770
Running A Red Light +$336 $1,776
Speeding +$353 $1,793
Driving A Vehicle Without The Required Permission +$448 $1,888
Driving With An Expired/Suspended License +$971 $2,411

Madison Crossroads, 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 $1,382
Active Disabling Device $1,382
Tracking Device $1,354
Passive Disabling Device $1,339