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

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.

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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 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