River Falls Auto Insurance Rates, Quotes, Agents & Reviews in AL

River Falls, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in River Falls, 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 River Falls, 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.


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

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

River Falls Gantt Red Level Sanford Carolina Libertyville
Average Insurance Rates $1,375 $1,401 $1,396 $1,617 $1,480 $1,901

River Falls, 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 River Falls, 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)
River Falls $1,445 $1,221
Andalusia $1,471 $1,242
Heath $2,167 $1,830
Red Level $1,221 $1,031
Gantt $2,178 $1,840
Carolina $1,016 $858
Libertyville $1,958 $1,654
Sanford $1,666 $1,407

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

Teenagers in River Falls, 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 $4,462
20 Years $1,767
30 Years $1,361
40 Years $1,309
50 Years $1,212
60 Years $1,229
70 Years $1,431

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

Car owners in River Falls, 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 $2,365 $385
3 Vehicles $3,548 $578
4 Vehicles $4,730 $770

Savings on 2 Vehicles bundle:$385

Savings on 3 Vehicles bundle:$578

Savings on 4 Vehicles bundle:$770


River Falls, 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 River Falls, AL.

Location Average Insurance Cost Post DUI Insurance Rate
River Falls $1,375 $2,438
Andalusia $1,419 $2,516
Heath $1,397 $2,477
Red Level $1,396 $2,475
Gantt $1,401 $2,484
Carolina $1,480 $2,624
Libertyville $1,901 $3,371
Sanford $1,617 $2,867

River Falls, 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) $1,180
Excellent (740-799) $1,347
Good (670-739) $1,433
Average (580-669) $1,869
Poor (300-579) $2,243

River Falls, 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
Sharyn Smith State Farm 1805 E Three Notch St Ste 4, Andalusia, 36421-2403 334-222-1005
David Brooks Allstate 1831 E Three Notch St, Andalusia, 36421 (334) 767-3324
Christopher Jackson Allstate 408 River Falls St, Andalusia, 36420 (334) 222-8553
Davis & Associates, Inc. None 1731 E Three Notch St, Andalusia, 36421 (334) 246-2401
Joann Bulger Farmers 2 E Court Sq, Andalusia, 36420 (334) 222-8223
Brian Moss State Farm 631 Willow Ln Ste M, Greenville, 36037-8028 334-371-7676
Witherington Insurance Group Travelers 1200 ELBA HWY, TROY, 36079 334-566-1477
Tim Bryan State Farm 300 E Three Notch St, Andalusia, 36420-3125 334-222-1460
Jerry Beckett Cpcu State Farm 912B Brundidge Street, Troy, 36081-0871 334-566-9203

River Falls, 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 +$61 $1,436
Driver's Failure In Showing Documents +$133 $1,508
Driving With An Expired Registration +$142 $1,517
Driving At A Considerably Slow Pace +$298 $1,673
Using A Cellphone While Driving +$315 $1,690
Running A Red Light +$320 $1,695
Speeding +$337 $1,712
Driving A Vehicle Without The Required Permission +$428 $1,803
Driving With An Expired/Suspended License +$927 $2,302

River Falls, 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 $1,320
Active Disabling Device $1,320
Tracking Device $1,293
Passive Disabling Device $1,279