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

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

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

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

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

Renfroe-Laniers Talladega County Bon Air Childersburg Sycamore-Winterboro Harpersville
Average Insurance Rates $1,433 $1,419 $1,390 $1,411 $1,406 $1,457

Laniers, 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 Laniers, 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)
Renfroe-Laniers $1,476 $1,247
Talladega County $1,471 $1,242
Sycamore-Winterboro $1,256 $1,061
Bon Air $1,335 $1,128
Childersburg $1,621 $1,369
Harpersville $1,626 $1,374
Vincent $1,172 $990
Sterrett $1,176 $994

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

Teenagers in Laniers, 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 $4,650
20 Years $1,841
30 Years $1,418
40 Years $1,364
50 Years $1,264
60 Years $1,281
70 Years $1,491

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

Car owners in Laniers, 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 $2,493 $373
3 Vehicles $3,740 $559
4 Vehicles $4,987 $745

Savings on 2 Vehicles bundle:$373

Savings on 3 Vehicles bundle:$559

Savings on 4 Vehicles bundle:$745

Laniers, 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 Laniers, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Renfroe-Laniers $1,433 $2,541
Talladega County $1,419 $2,516
Sycamore-Winterboro $1,406 $2,493
Bon Air $1,390 $2,464
Childersburg $1,411 $2,502
Harpersville $1,457 $2,583
Vincent $1,432 $2,539
Sterrett $1,402 $2,486

Laniers, 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) $1,229
Excellent (740-799) $1,403
Good (670-739) $1,493
Average (580-669) $1,948
Poor (300-579) $2,337

Laniers, 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
Scott Pellowski State Farm 7420 Parkway Dr Ste 108, Leeds, 35094-4818 205-699-5139
Jerri Burnett State Farm 2725 Moody Pkwy, Moody, 35004-3152 205-640-1819
Union State Insurance Inc Travelers 1920 1ST AVE N, PELL CITY, 35125 205-884-1670
Seals Insurance Travelers 45240 HWY 78, LINCOLN, 35096 205-763-0950
Preston Rhodes Allstate 2107 Martin St S Ste 102, Pell City, 35128 (205) 338-0502
Burchell Insurance Agency Inc Nationwide 16233 HWY 280 STE E, Chelsea, 35043 (205) 678-0800
Josh Parris Farmers 32445 Us Highway 280, Childersburg, 35044 (256) 369-1800
Insurance Place Travelers 33385 HIGHWAY 280 S, CHILDERSBURG, 35044 256-378-7326
S.S. Nesbitt & Co., Inc. Liberty Mutual Independent 3500 BLUE LAKE DR STE 120, BIRMINGHAM, 35243 (205) 262-2700
Collins Ins Agcy Inc Travelers 2200 VALLEYDALE RD STE 201, BIRMINGHAM, 35244 205-987-5911

Laniers, 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 $1,496
Driver's Failure In Showing Documents +$139 $1,572
Driving With An Expired Registration +$148 $1,581
Driving At A Considerably Slow Pace +$311 $1,744
Using A Cellphone While Driving +$328 $1,761
Running A Red Light +$334 $1,767
Speeding +$351 $1,784
Driving A Vehicle Without The Required Permission +$446 $1,879
Driving With An Expired/Suspended License +$966 $2,399

Laniers, 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 $1,376
Active Disabling Device $1,376
Tracking Device $1,347
Passive Disabling Device $1,333