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

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

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


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

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

Rainsville-Sylvania Pine Ridge Powell Rainsville Sylvania Shiloh
Average Insurance Rates $1,437 $1,405 $1,406 $1,443 $1,426 $1,414

Rainsville, 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 Rainsville, 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)
Rainsville-Sylvania $1,634 $1,380
Rainsville $1,251 $1,057
Sylvania $1,691 $1,429
DeKalb County $1,426 $1,204
Powell $1,458 $1,232
Shiloh $1,440 $1,216
Pine Ridge $1,447 $1,222
Dutton $1,080 $913

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

Teenagers in Rainsville, 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 $4,663
20 Years $1,846
30 Years $1,422
40 Years $1,368
50 Years $1,267
60 Years $1,285
70 Years $1,495

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

Car owners in Rainsville, 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 $2,500 $374
3 Vehicles $3,751 $560
4 Vehicles $5,001 $747

Savings on 2 Vehicles bundle:$374

Savings on 3 Vehicles bundle:$560

Savings on 4 Vehicles bundle:$747


Rainsville, 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 Rainsville, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Rainsville-Sylvania $1,437 $2,548
Rainsville $1,443 $2,558
Sylvania $1,426 $2,528
DeKalb County $1,428 $2,532
Powell $1,406 $2,493
Shiloh $1,414 $2,507
Pine Ridge $1,405 $2,491
Dutton $1,412 $2,504

Rainsville, 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) $1,233
Excellent (740-799) $1,407
Good (670-739) $1,497
Average (580-669) $1,954
Poor (300-579) $2,344

Rainsville, 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
Cody Coffey Allstate 1000 Gault Ave S Ste A, Fort Payne, 35967 (256) 845-3637
Melissa Payne Allstate 72 Roy Sanderson Ave Ste 5, Rainsville, 35986 (256) 638-7910
Chris Kuykendall State Farm 1827 Gault Ave N, Fort Payne, 35967-3415 256-845-4984
Charles Oliver Farmers 17055 Al Highway 75, Henagar, 35978 (256) 657-7600
Chris Davis Agency Llc Nationwide 2121 Gault Ave N, Fort Payne, 35967 (256) 845-5116
Ken Davis State Farm 3503 Memorial Pkwy NW Ste Ea, Huntsville, 35810-2414 256-489-5450
Ken Davis State Farm 3503 Memorial Pkwy NW Ste Ea, Huntsville, 35810-2414 256-489-5450
Perry Bagwell Farmers 121 Lily Flagg Rd SW Ste A, Huntsville, 35802 (256) 288-3718
River Tree Ins Services Inc Liberty Mutual Independent 2603 ARTIE ST SW STE 15, HUNTSVILLE, 35805 256-715-0477

Rainsville, 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 $1,500
Driver's Failure In Showing Documents +$139 $1,576
Driving With An Expired Registration +$148 $1,585
Driving At A Considerably Slow Pace +$312 $1,749
Using A Cellphone While Driving +$329 $1,766
Running A Red Light +$335 $1,772
Speeding +$352 $1,789
Driving A Vehicle Without The Required Permission +$447 $1,884
Driving With An Expired/Suspended License +$969 $2,406

Rainsville, 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 $1,380
Active Disabling Device $1,380
Tracking Device $1,351
Passive Disabling Device $1,336