Northport, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Northport, 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.
Low Cost Car Insurance in Northport, AL
The average cost of car insurance in Northport, AL, is $1,497. Your auto insurance will shield you from any financial loss in the event of an accident or other damage. If you cause damage, the insurer will cover it up to the plan limits. When buying car insurance in Northport, AL, drivers search for the best deal. The methods used by auto insurance firms to estimate data and identify risks are unique. A number of variables determine the amount you will pay for auto insurance in Northport, Alabama. It is simpler to compare shops and learn how they operate. This article will explain how much vehicle insurance costs in Northport, Alabama, and how to negotiate for a lower price.
Credit History
Auto insurance companies use many factors to calculate your premium. One factor is your credit history. Insurance companies say people with poor credit are more likely to file claims. As a result, they charge people with poor credit higher premiums. In general, people with poor credit file more claims, and those claims tend to be more expensive than claims filed by people with good credit. In Northport, Alabama, car owners with exceptional credit scores have to pay $1,284, while those with poor credit must pay $2,442. Therefore, the lower the vehicle insurance rates in Northport, Alabama, the higher the credit score.
Driving Habits
One's driving record is one of insurance companies' most important factors in determining rates. A clean driving record usually means a lower insurance rate, while a poor driving record typically leads to a higher rate. Insurance companies typically look at three things when considering a driver's record: accidents, traffic violations, and DUI/DWI convictions. The total cost of auto insurance in Northport, Alabama, will increase by +$349 and +$1,009, respectively, for drivers who run a red light or have a license that has expired. So if you want to keep your rates low, it's essential to maintain a clean driving record. Drive safely, obey the speed limit, and don't drink and drive. If you have accidents or violations, shop around for new quotes regularly to ensure you're getting the best rate possible.
Age of the Driver
As you get older, you will pay more for car insurance in Northport, AL. This is because older drivers are more likely to be involved in accidents than younger drivers. Therefore, insurance companies charge older drivers higher rates to offset the risk. In general, the younger the driver, the higher the insurance rates. For instance, Teenage drivers in Northport, Alabama, pay $4,858 for car insurance, whereas older drivers aged 40 pay $1,425.
Factors that can influence the cost of car insurance in Northport, 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.
- Northport, AL Auto Insurance Rates
- Northport, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Northport, AL
- Multi Vehicle Insurance Savings in Northport, AL
- How Credit Score Affects Car Insurance Rates in Northport, AL
- How DUI Affects Auto Insurance Premiums in Northport, AL
- How Driving Violations Affect Auto Insurance Rates in Northport, AL
- Northport, AL Auto Insurance Discounts on Anti Theft Feature
Northport, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Northport, AL with that of other cities in and around Northport.
| Northport | Coker | Samantha | Tuscaloosa County | Elrod-Moores Bridge-Echola | Tuscaloosa | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,497 | $1,471 | $1,472 | $1,323 | $1,452 | $1,404 |
Northport, 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 Northport, 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) |
|---|---|---|
| Northport | $1,730 | $1,462 |
| Tuscaloosa County | $1,225 | $1,034 |
| Coker | $1,520 | $1,284 |
| Tuscaloosa | $948 | $800 |
| Holt | $1,913 | $1,616 |
| Elrod-Moores Bridge-Echola | $1,104 | $933 |
| Samantha | $1,681 | $1,420 |
| Windham Springs | $960 | $811 |
Northport, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Northport, 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 | $4,858 |
| 20 Years | $1,923 |
| 30 Years | $1,482 |
| 40 Years | $1,425 |
| 50 Years | $1,320 |
| 60 Years | $1,338 |
| 70 Years | $1,558 |
Northport, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Northport, 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 | $2,635 | $359 |
| 3 Vehicles | $3,952 | $539 |
| 4 Vehicles | $5,269 | $719 |
Savings on 2 Vehicles bundle:$359
Savings on 3 Vehicles bundle:$539
Savings on 4 Vehicles bundle:$719
Northport, 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 Northport, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Northport | $1,497 | $2,654 |
| Tuscaloosa County | $1,323 | $2,346 |
| Coker | $1,471 | $2,608 |
| Tuscaloosa | $1,404 | $2,489 |
| Holt | $1,387 | $2,459 |
| Elrod-Moores Bridge-Echola | $1,452 | $2,574 |
| Samantha | $1,472 | $2,610 |
| Windham Springs | $1,531 | $2,714 |
Northport, 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) | $1,284 |
| Excellent (740-799) | $1,466 |
| Good (670-739) | $1,560 |
| Average (580-669) | $2,035 |
| Poor (300-579) | $2,442 |
Northport, 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 | +$66 | $1,563 |
| Driver's Failure In Showing Documents | +$145 | $1,642 |
| Driving With An Expired Registration | +$154 | $1,651 |
| Driving At A Considerably Slow Pace | +$325 | $1,822 |
| Using A Cellphone While Driving | +$343 | $1,840 |
| Running A Red Light | +$349 | $1,846 |
| Speeding | +$367 | $1,864 |
| Driving A Vehicle Without The Required Permission | +$466 | $1,963 |
| Driving With An Expired/Suspended License | +$1,009 | $2,506 |
Northport, 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 | $1,437 |
| Active Disabling Device | $1,437 |
| Tracking Device | $1,407 |
| Passive Disabling Device | $1,392 |