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

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

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

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

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

Munford Oxford Saks Anniston West End-Cobb Town Talladega
Average Insurance Rates $1,472 $1,462 $1,422 $1,370 $1,392 $1,407

Munford, 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 Munford, 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)
Munford $1,271 $1,074
Oxford $1,088 $919
Hobson City $1,444 $1,220
West End-Cobb Town $1,920 $1,622
Anniston $1,620 $1,369
Talladega $1,914 $1,616
Lincoln $1,318 $1,114
Saks $1,539 $1,300

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

Teenagers in Munford, 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 $4,776
20 Years $1,891
30 Years $1,457
40 Years $1,402
50 Years $1,298
60 Years $1,316
70 Years $1,532

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

Car owners in Munford, 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 $2,561 $383
3 Vehicles $3,842 $574
4 Vehicles $5,123 $765

Savings on 2 Vehicles bundle:$383

Savings on 3 Vehicles bundle:$574

Savings on 4 Vehicles bundle:$765

Munford, 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 Munford, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Munford $1,472 $2,610
Oxford $1,462 $2,592
Hobson City $1,402 $2,486
West End-Cobb Town $1,392 $2,468
Anniston $1,370 $2,429
Talladega $1,407 $2,495
Lincoln $1,424 $2,525
Saks $1,422 $2,521

Munford, 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) $1,263
Excellent (740-799) $1,442
Good (670-739) $1,534
Average (580-669) $2,001
Poor (300-579) $2,401

Munford, 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
West Insurance Agency Inc Liberty Mutual Independent 1211 West Hamric Drive, Oxford, 36203 None
Harris Mckay Co Inc None P O Box 1766, Anniston, 36202 None
Bob Lee State Farm 919 Snow St Ste D, Oxford, 36203-1210 256-831-9300
Breck Price Allstate 470 Riverhills Business Park, Birmingham, 35242 (205) 991-5106
Robert E Langston & Associates Insurance Inc Nationwide 4525 Valleydale Rd, Birmingham, 35242-4605 (205) 991-2484
West Ins Agy Inc Allstate 203 Hamric Dr W, Oxford, 36203 (205) 831-0205
Bancorpsouth Ins Services Inc Travelers TWO METROPLEX DR STE 107, BIRMINGHAM, 35205 800-927-0583
Don Taylor State Farm 1900 CRESTWOOD BLVD SUITE 105, IRONDALE, 35210 205-951-3740
Marsh Usa-Qsg-Birmingham Travelers 1500 URBAN CENTER DR STE 550, BIRMINGHAM, 35242 205-262-2300

Munford, 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 +$65 $1,537
Driver's Failure In Showing Documents +$143 $1,615
Driving With An Expired Registration +$152 $1,624
Driving At A Considerably Slow Pace +$319 $1,791
Using A Cellphone While Driving +$337 $1,809
Running A Red Light +$343 $1,815
Speeding +$361 $1,833
Driving A Vehicle Without The Required Permission +$458 $1,930
Driving With An Expired/Suspended License +$992 $2,464

Munford, 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 $1,413
Active Disabling Device $1,413
Tracking Device $1,384
Passive Disabling Device $1,369