Blocton, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Blocton, 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.
Decoding Car Insurance in Blocton, AL
Car insurance rates can be a significant consideration for residents, and understanding the factors affecting these rates is crucial. This article offers an insightful analysis of car insurance rates in Blocton, Alabama, including the top competitors, their pricing, an analysis of quotes, rates, and agents, and the key factors influencing insurance rates in this city.
Leading Competitors and Their Pricing in Blocton, AL
Blocton, Alabama, is serviced by numerous major car insurance providers, each with unique rates based on their risk assessment models. The principal competitors in the region are State Farm, Allstate, Geico, and Progressive:
State Farm: Offering a wide range of coverage options, State Farm's average annual premium in Blocton is around $1,150.
Allstate: Known for its customizable policies, Allstate's average annual car insurance rate in Blocton is approximately $1,180.
Geico: Famed for its affordable plans, Geico's average annual premium in Blocton is about $1,130.
Progressive: Offering flexible coverage options, Progressive's average annual premium is approximately $1,170 in Blocton.
Analysis of Quotes, Rates & Agents
Insurance quotes and rates are primarily determined by a company's perception of risk, which involves factors associated with the driver, the vehicle, and the location. Agents, particularly those based locally, play a critical role in helping customers understand these complexities and find the best coverage options.
In Blocton, agents use their local knowledge to assist customers in understanding the range of quotes available and potentially secure lower premiums.
Factors Influencing Car Insurance Rates in Blocton, AL
Several factors can affect car insurance rates in Blocton:
Driver Profile: The age, gender, marital status, driving record, and credit score of a driver can significantly impact insurance rates. Generally, younger drivers, especially males, and those with poor driving records or low credit scores, face higher premiums.
Vehicle Information: The make, model, year, safety features, and theft likelihood of a vehicle can also influence insurance rates. High-end or sports cars typically come with higher premiums due to the increased risk of theft and accidents.
Location-Specific Factors: Aspects unique to Blocton, like the local crime rate, traffic density, and weather conditions, can also affect car insurance rates.
Coverage Level: The chosen level of coverage directly impacts the insurance rate, with more comprehensive coverage naturally costing more than basic liability coverage.
Discounts: Insurance companies often offer discounts that can substantially lower premiums. These can include maintaining a clean driving record, low annual mileage, bundling insurance policies, or having advanced safety features in a vehicle.
Understanding the intricacies of car insurance rates in Blocton, AL, is key to securing the best policy for your needs. By comparing prices offered by top competitors, recognizing the role of agents in the quote and rate process, and considering the local factors impacting insurance costs, residents can make informed decisions about their car insurance coverage.
Factors that can influence the cost of car insurance in Blocton, 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.
- Blocton, AL Auto Insurance Rates
- Blocton, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Blocton, AL
- Multi Vehicle Insurance Savings in Blocton, AL
- How Credit Score Affects Car Insurance Rates in Blocton, AL
- How DUI Affects Auto Insurance Premiums in Blocton, AL
- Top Auto Insurance Agents Near Blocton, AL
- How Driving Violations Affect Auto Insurance Rates in Blocton, AL
- Blocton, AL Auto Insurance Discounts on Anti Theft Feature
Blocton, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Blocton, AL with that of other cities in and around Blocton.
| West Blocton | Vance | Woodstock | Piper-Coleanor | Abernant | Lake View | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,426 | $1,463 | $1,441 | $2,025 | $1,500 | $1,531 |
Blocton, 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 Blocton, 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) |
|---|---|---|
| West Blocton | $1,966 | $1,661 |
| Vance | $1,981 | $1,673 |
| Woodstock | $1,250 | $1,056 |
| Bibb County | $2,141 | $1,809 |
| Piper-Coleanor | $2,086 | $1,762 |
| Coaling-Vance | $1,513 | $1,278 |
| Abernant | $1,481 | $1,251 |
| Lake View | $2,954 | $2,495 |
Blocton, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Blocton, 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 | $4,627 |
| 20 Years | $1,832 |
| 30 Years | $1,411 |
| 40 Years | $1,358 |
| 50 Years | $1,257 |
| 60 Years | $1,275 |
| 70 Years | $1,484 |
Blocton, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Blocton, 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 | $2,453 | $399 |
| 3 Vehicles | $3,679 | $599 |
| 4 Vehicles | $4,905 | $799 |
Savings on 2 Vehicles bundle:$399
Savings on 3 Vehicles bundle:$599
Savings on 4 Vehicles bundle:$799
Blocton, 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 Blocton, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| West Blocton | $1,426 | $2,528 |
| Vance | $1,463 | $2,594 |
| Woodstock | $1,441 | $2,555 |
| Bibb County | $1,431 | $2,537 |
| Piper-Coleanor | $2,025 | $3,590 |
| Coaling-Vance | $1,463 | $2,594 |
| Abernant | $1,500 | $2,660 |
| Lake View | $1,531 | $2,714 |
Blocton, 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) | $1,223 |
| Excellent (740-799) | $1,397 |
| Good (670-739) | $1,486 |
| Average (580-669) | $1,939 |
| Poor (300-579) | $2,326 |
Blocton, 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 |
|---|---|---|---|
| Karen Ross Miller | Allstate | 5210 Highway 17, Helena, 35080 | (205) 620-1120 |
| Mittie Brown | Farmers | 9330 Highway 119 Ste 300, Alabaster, 35007 | (205) 664-1944 |
| The Family Agency | Allstate | 37 Buck Creek Plz Ste 100, Alabaster, 35007 | (205) 664-1892 |
| Byron Eaton | Allstate | 3979 Parkwood Rd Ste 105, Bessemer, 35022 | (205) 565-0313 |
| Sherry Mathews | Farmers | 1230 Eastern Valley Rd, Bessemer, 35020 | (205) 565-9033 |
| Darren Bright | Allstate | 5210 Highway 17, Helena, 35080 | (205) 620-1120 |
| Benjamin Cornelius | Allstate | 921 Oxmoor Rd, Homewood, 35209 | (205) 983-6441 |
| Eyal Ron | Allstate | 3900 Montclair Rd Ste 280, Birmingham, 35213 | (205) 870-0115 |
| Lloyd Payne | State Farm | 2496 Rocky Ridge Rd, Vestavia, 35243-2850 | 205-978-7378 |
| David Smith | State Farm | 1209 Lake Dr SE Ste 103, Bessemer, 35022-6488 | 205-424-4322 |
| Collins Insurance Agency, Inc. | None | 2200 Valleydale Road Suite 201 , Hoover, 35244 | (205) 918-7933 |
Blocton, 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 | $1,489 |
| Driver's Failure In Showing Documents | +$138 | $1,564 |
| Driving With An Expired Registration | +$147 | $1,573 |
| Driving At A Considerably Slow Pace | +$309 | $1,735 |
| Using A Cellphone While Driving | +$327 | $1,753 |
| Running A Red Light | +$332 | $1,758 |
| Speeding | +$349 | $1,775 |
| Driving A Vehicle Without The Required Permission | +$443 | $1,869 |
| Driving With An Expired/Suspended License | +$961 | $2,387 |
Blocton, 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 | $1,369 |
| Active Disabling Device | $1,369 |
| Tracking Device | $1,340 |
| Passive Disabling Device | $1,326 |