Smiths Station Auto Insurance Rates, Quotes, Agents & Reviews in AL

Smiths Station, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Smiths Station, 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 Smiths Station, 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.


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

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

Smiths Station Crawford Hamilton Beulah Beauregard-Marvyn Ladonia
Average Insurance Rates $1,446 $1,472 $1,703 $1,466 $1,461 $1,407

Smiths Station, 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 Smiths Station, 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)
Smiths Station $1,635 $1,381
Beulah $1,714 $1,448
Ladonia $2,027 $1,712
Crawford $932 $787
Lee County $1,409 $1,190
Beauregard-Marvyn $1,109 $937
Hamilton $1,759 $1,486
Columbus West $1,439 $1,215

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

Teenagers in Smiths Station, 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 $4,692
20 Years $1,858
30 Years $1,431
40 Years $1,377
50 Years $1,275
60 Years $1,293
70 Years $1,505

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

Car owners in Smiths Station, 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 $2,458 $434
3 Vehicles $3,687 $651
4 Vehicles $4,916 $868

Savings on 2 Vehicles bundle:$434

Savings on 3 Vehicles bundle:$651

Savings on 4 Vehicles bundle:$868


Smiths Station, 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 Smiths Station, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Smiths Station $1,446 $2,564
Beulah $1,466 $2,599
Ladonia $1,407 $2,495
Crawford $1,472 $2,610
Lee County $1,365 $2,420
Beauregard-Marvyn $1,461 $2,590
Hamilton $1,703 $3,113
Columbus West $1,576 $2,881

Smiths Station, 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) $1,241
Excellent (740-799) $1,416
Good (670-739) $1,507
Average (580-669) $1,966
Poor (300-579) $2,359

Smiths Station, 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
Janice Henderson State Farm 2310 Crawford Rd Ste 101, Phenix City, 36867-3612 334-297-2337
Elliott & Associates Inc Travelers 211 2Nd Ave, Opelika, 36801 (334) 610-3528
Mike Minor Farmers 1912 Opelika Rd, PHENIX CITY, 36867 (334) 291-1923
Insuresouth Inc Liberty Mutual Independent 100 N 7TH ST, OPELIKA, 36801 (334) 745-3585

Smiths Station, 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 +$64 $1,510
Driver's Failure In Showing Documents +$140 $1,586
Driving With An Expired Registration +$149 $1,595
Driving At A Considerably Slow Pace +$314 $1,760
Using A Cellphone While Driving +$331 $1,777
Running A Red Light +$337 $1,783
Speeding +$354 $1,800
Driving A Vehicle Without The Required Permission +$450 $1,896
Driving With An Expired/Suspended License +$975 $2,421

Smiths Station, 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 $1,388
Active Disabling Device $1,388
Tracking Device $1,359
Passive Disabling Device $1,345

Latest Auto Insurance Reviews in Smiths Station, AL | Back to Top

Progressive
They actually take care of any problem on their own sometimes without calling you. they are quick to respond when needed and they do offer other solutions when needed.
Progressive
I choose 5 for progressive because they work well with my family, a member of the family has to carry special insurance and they are the only ones with a decent price and great coverage.