Creek Stand, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Creek Stand, 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.
A Snapshot of Car Insurance Rates in Creek Stand, AL
Creek Stand, Alabama, known for its community spirit and vibrant culture, is no stranger to the vast realm of car insurance. For every resident who takes to the wheel, a comprehensive understanding of car insurance rates is paramount. This article offers a concise snapshot, bringing to light the main insurance players in Creek Stand, analyzing the dynamics of quotes, rates, and agents, and laying out the key factors that tailor these rates to the unique conditions of this town.
Top Competitors and Their Rates
- State Farm: A behemoth in the insurance world, State Farm's annual premiums in Creek Stand typically range between $1,330 and $1,550.
- Geico: With its hallmark gecko and nationwide coverage, Geico's yearly rates for Creek Stand residents hover around $1,290 to $1,470.
- Progressive: Recognized for its innovative offerings, Progressive's rates in Creek Stand usually stretch from $1,320 to $1,520 annually.
- Allstate: Catering to a broad spectrum of insurance needs, Allstate's premiums in Creek Stand oscillate between $1,360 and $1,580 per year.
Quotes, Rates & Agents
- Quotes: Offering personalized assessments, quotes factor in unique elements such as vehicle age, driver's experience, and any past driving infringements to predict insurance costs.
- Rates: Casting a wider net, rates reveal the average insurance expenses in a locality, like Creek Stand, furnishing a benchmark for consumer assessments.
- Agents: Facilitating the connection between insurance companies and clients, agents are instrumental in breaking down complexities, identifying discounts, and molding policies to fit individual requirements.
Factors Influencing Insurance Rates in Creek Stand, AL
- Demographics: Individual attributes, including age, gender, and marital status, play a pivotal role. For instance, younger drivers, owing to perceived risk, might encounter steeper premiums.
- Driving History: Drivers with a spotless record often enjoy preferential rates, while those with past indiscretions might see heightened premiums.
- Vehicle Attributes: High-end models, cars with pricey repair tags, or vehicles commonly targeted for theft can demand loftier insurance costs.
- Local Factors: The ebb and flow of traffic in Creek Stand, along with regional auto accident rates and local crime statistics, leave a significant imprint on insurance premiums.
- Extent of Coverage: Comprehensive coverage with elevated liability limits often accompanies a rise in the yearly premium.
- Deductible Choices: While high deductibles might lower annual premiums, they signify greater out-of-pocket expenses in claim situations.
- Discount Pathways: From safe driving courses to advanced vehicle safety features, numerous channels can pave the way for rate reductions.
Navigating the car insurance terrain in Creek Stand, AL, introduces one to a vibrant mix of individual profiles, strategies carved out by prominent insurers, and the unique characteristics the town brings to the table. Though these major players provide foundational rates, it is the expertise of local agents that introduces a layer of customization, ensuring every Creek Stand resident finds the coverage that resonates with their needs. By keeping a finger on the pulse of these influencing factors, and with a proactive stance in comparing quotes, residents can confidently stride through the car insurance domain, well-equipped and informed.
Factors that can influence the cost of car insurance in Creek Stand, 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.
- Creek Stand, AL Auto Insurance Rates
- Creek Stand, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Creek Stand, AL
- Multi Vehicle Insurance Savings in Creek Stand, AL
- How Credit Score Affects Car Insurance Rates in Creek Stand, AL
- How DUI Affects Auto Insurance Premiums in Creek Stand, AL
- Top Auto Insurance Agents Near Creek Stand, AL
- How Driving Violations Affect Auto Insurance Rates in Creek Stand, AL
- Creek Stand, AL Auto Insurance Discounts on Anti Theft Feature
Creek Stand, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Creek Stand, AL with that of other cities in and around Creek Stand.
| Warriorstand-Creek Stand | Union Springs | Little Texas-Society Hill | Fort Davis | Hurtsboro | Midway | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,408 | $1,386 | $1,390 | $1,404 | $1,388 | $1,386 |
Creek Stand, 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 Creek Stand, 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) |
|---|---|---|
| Warriorstand-Creek Stand | $1,306 | $1,103 |
| Fort Davis | $1,936 | $1,636 |
| Macon County | $1,541 | $1,302 |
| Little Texas-Society Hill | $1,335 | $1,128 |
| Union Springs | $1,416 | $1,196 |
| Midway | $1,439 | $1,215 |
| Hurtsboro | $1,502 | $1,268 |
| Tuskegee | $1,066 | $900 |
Creek Stand, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Creek Stand, 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 | $4,569 |
| 20 Years | $1,809 |
| 30 Years | $1,393 |
| 40 Years | $1,341 |
| 50 Years | $1,242 |
| 60 Years | $1,259 |
| 70 Years | $1,465 |
Creek Stand, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Creek Stand, 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 | $2,394 | $422 |
| 3 Vehicles | $3,590 | $634 |
| 4 Vehicles | $4,787 | $845 |
Savings on 2 Vehicles bundle:$422
Savings on 3 Vehicles bundle:$634
Savings on 4 Vehicles bundle:$845
Creek Stand, 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 Creek Stand, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Warriorstand-Creek Stand | $1,408 | $2,496 |
| Fort Davis | $1,404 | $2,489 |
| Macon County | $1,399 | $2,480 |
| Little Texas-Society Hill | $1,390 | $2,464 |
| Union Springs | $1,386 | $2,457 |
| Midway | $1,386 | $2,457 |
| Hurtsboro | $1,388 | $2,461 |
| Tuskegee | $1,398 | $2,479 |
Creek Stand, 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) | $1,208 |
| Excellent (740-799) | $1,379 |
| Good (670-739) | $1,467 |
| Average (580-669) | $1,914 |
| Poor (300-579) | $2,297 |
Creek Stand, 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 |
|---|---|---|---|
| Priori Ins Svcs | Allstate | 1431 Conecuh Ave E, Union Springs, 36089 | (334) 738-2131 |
| Ken Bishop | State Farm | 2101 Eastern Blvd Ste 111, Montgomery, 36117-1610 | 334-277-6655 |
| Kip Lowe | Allstate | 4722 Woodmere Blvd, Montgomery, 36106 | (334) 274-0126 |
| Michael Cook | Allstate | 601 1st Ave Ste A, Opelika, 36801 | (334) 745-5555 |
| Michael Cook | Allstate | 601 1st Ave Ste A, Opelika, 36801 | (334) 745-5555 |
| Alabama Insurance Alliance | Liberty Mutual Independent | 3500 EASTERN BLVD, MONTGOMERY, 36116 | 334-277-1000 |
| Trustway Insurance | Allstate | 6150 Atlanta Hwy, Montgomery, 36117 | (334) 260-0450 |
Creek Stand, 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 | $1,470 |
| Driver's Failure In Showing Documents | +$137 | $1,545 |
| Driving With An Expired Registration | +$145 | $1,553 |
| Driving At A Considerably Slow Pace | +$306 | $1,714 |
| Using A Cellphone While Driving | +$322 | $1,730 |
| Running A Red Light | +$328 | $1,736 |
| Speeding | +$345 | $1,753 |
| Driving A Vehicle Without The Required Permission | +$438 | $1,846 |
| Driving With An Expired/Suspended License | +$949 | $2,357 |
Creek Stand, 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 | $1,352 |
| Active Disabling Device | $1,352 |
| Tracking Device | $1,324 |
| Passive Disabling Device | $1,309 |