Red Bay Auto Insurance Rates, Quotes, Agents & Reviews in AL

Red Bay, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Red Bay, 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.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Red Bay, 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.


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

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

Red Bay Belmont Tishomingo Franklin County Golden Hodges
Average Insurance Rates $1,407 $1,577 $1,506 $1,411 $1,530 $1,392

Red Bay, 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 Red Bay, 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)
Red Bay $1,680 $1,419
Golden $1,508 $1,274
Vina $1,400 $1,182
Belmont $2,765 $2,335
Belgreen $1,309 $1,106
Franklin County $1,436 $1,213
Hodges $1,506 $1,272
Tishomingo $2,156 $1,821

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

Teenagers in Red Bay, 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 $4,565
20 Years $1,808
30 Years $1,392
40 Years $1,340
50 Years $1,241
60 Years $1,258
70 Years $1,464

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

Car owners in Red Bay, 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 $2,420 $394
3 Vehicles $3,630 $591
4 Vehicles $4,840 $788

Savings on 2 Vehicles bundle:$394

Savings on 3 Vehicles bundle:$591

Savings on 4 Vehicles bundle:$788


Red Bay, 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 Red Bay, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Red Bay $1,407 $2,495
Golden $1,530 $2,537
Vina $1,397 $2,477
Belmont $1,577 $2,615
Belgreen $1,271 $2,254
Franklin County $1,411 $2,502
Hodges $1,392 $2,468
Tishomingo $1,506 $2,498

Red Bay, 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) $1,207
Excellent (740-799) $1,378
Good (670-739) $1,466
Average (580-669) $1,913
Poor (300-579) $2,295

Red Bay, 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
Diana Fisher State Farm 15480 Highway 43 Suite H, Russellville, 35653-8086 256-332-0121
Tim Trapp Farmers 13150 Highway 43 Ste 4, Russellville, 35653 (256) 331-1166
Cb & S Financial Services Inc Liberty Mutual Independent 200 JACKSON AVENUE SOUTH, RUSSELLVILLE, 35653 256-332-0330
Parke Cochran State Farm 883 Cox Creek Pkwy, Florence, 35630-1003 256-767-4790
Ronald Thorn State Farm 114 4th Ave SE, Red Bay, 35582-4191 256-356-2700
Charles Lindsey Farmers 5390 Highway 72, Killen, 35645 (256) 757-3188

Red Bay, 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
Speeding +$345 $1,752
Driving A Vehicle Without The Required Permission +$438 $1,845
Driving With An Expired/Suspended License +$948 $2,355

Red Bay, 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 $1,351
Active Disabling Device $1,351
Tracking Device $1,323
Passive Disabling Device $1,309