Alamo, GA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alamo, GA, 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.
Things that can Affect Car Insurance Costs in Alamo, GA
As a driver in Alamo, GA, you are required to have car insurance. Car insurance provides financial protection in the event of an accident or other vehicle-related damages. It can help cover repairs to your vehicle, medical expenses and property damage. In some cases, car insurance can also protect against theft or vandalism. No matter what coverage you choose, car insurance can provide peace of mind and financial protection in case of an accident or other vehicle-related damages.
In Alamo, GA, the average cost of car insurance is $1,532. Your location, the kind of car you drive, and the coverage level are just a few factors that might affect the cost of your Alamo, Georgia, auto insurance. Automobile owners should avoid picking an insurance company at random. Car owners must look for cheap car insurance in Alamo, contrast the prices and discounts on offer from various providers, and proceed if the policy is appropriate for their vehicle. Here are a few factors influencing Alamo, Georgia's vehicle insurance prices.
Credit History
It's no secret that your credit history can affect your ability to get a loan, but did you know that it can also affect your car insurance rates? In Alamo, GA, insurers use your credit history as one of the factors they use to determine your premium. A good credit history means you're more likely to pay your bills on time, and insurers view that as a sign that you're less likely to file a claim. On the other hand, poor credit history can indicate that you're more likely to file a claim, which can lead to a higher premium. For instance, in Alamo, Georgia, car owners with excellent credit scores must pay $1,314, while those with poor or inadequate credit must pay $2,499. As a result, automobile owners in Alamo, GA, who wish to save money on their auto insurance premiums must keep a good credit score.
Age of the Driver
Car insurance companies in Alamo, GA, use the driver's age to help determine how much to charge for car insurance. The younger the driver, the higher the rates. This is because younger drivers are more likely to be involved in accidents. As drivers get older, they become more experienced and less likely to be involved in accidents. This is why car insurance rates usually go down as drivers get older. For example, teenagers in Alamo, GA, pay $4,971 for car insurance, whereas older drivers in Alamo, GA, who are 40 years old, pay $1,459.
Driving History
It is no secret that car insurance companies use a driver’s history to help determine rates. In Alamo, GA, this is no different. Insurance companies will look at a driver’s past to help predict future behavior. This is why a driver with a clean history will typically pay less for car insurance than a driver with a history of accidents or traffic violations. For drivers who run red lights or drive with expired/suspended licenses, the overall cost of auto insurance in Alamo, Georgia, will rise by +$357 and +$1,033, respectively.
Factors that can influence the cost of car insurance in Alamo, GA 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.
- Alamo, GA Auto Insurance Rates
- Alamo, GA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alamo, GA
- Multi Vehicle Insurance Savings in Alamo, GA
- How Credit Score Affects Car Insurance Rates in Alamo, GA
- How DUI Affects Auto Insurance Premiums in Alamo, GA
- Top Auto Insurance Agents Near Alamo, GA
- How Driving Violations Affect Auto Insurance Rates in Alamo, GA
- Alamo, GA Auto Insurance Discounts on Anti Theft Feature
Alamo, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alamo, GA with that of other cities in and around Alamo.
| Alamo | Glenwood | Mount Vernon | McRae | Wheeler County | McRae-Helena | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,532 | $1,531 | $1,552 | $2,538 | $1,531 | $1,540 |
Alamo, GA 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 Alamo, GA 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) |
|---|---|---|
| Alamo | $1,578 | $1,333 |
| Wheeler County | $1,321 | $1,116 |
| Scotland | $1,415 | $1,195 |
| McRae | $2,596 | $2,192 |
| Helena | $2,633 | $2,224 |
| McRae-Helena | $1,320 | $1,115 |
| Glenwood | $1,420 | $1,200 |
| Mount Vernon | $1,890 | $1,596 |
Alamo, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alamo, GA 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 | $4,971 |
| 20 Years | $1,968 |
| 30 Years | $1,516 |
| 40 Years | $1,459 |
| 50 Years | $1,351 |
| 60 Years | $1,370 |
| 70 Years | $1,594 |
Alamo, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alamo, GA 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 | $2,666 | $398 |
| 3 Vehicles | $3,999 | $597 |
| 4 Vehicles | $5,331 | $797 |
Savings on 2 Vehicles bundle:$398
Savings on 3 Vehicles bundle:$597
Savings on 4 Vehicles bundle:$797
Alamo, GA 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 Alamo, GA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Alamo | $1,532 | $2,801 |
| Wheeler County | $1,531 | $2,799 |
| Scotland | $1,526 | $2,790 |
| McRae | $2,538 | $4,640 |
| Helena | $2,556 | $4,673 |
| McRae-Helena | $1,540 | $2,815 |
| Glenwood | $1,531 | $2,799 |
| Mount Vernon | $1,552 | $2,837 |
Alamo, GA 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) | $1,314 |
| Excellent (740-799) | $1,500 |
| Good (670-739) | $1,596 |
| Average (580-669) | $2,083 |
| Poor (300-579) | $2,499 |
Alamo, GA 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 |
|---|---|---|---|
| Stamps-Walker Agency Inc | Travelers | 234 W OAK ST, MCRAE, 31055 | 229-868-6454 |
| Herman Moore | State Farm | 21 S Second Ave, Mc Rae, 31055-4658 | 229-868-6459 |
| Georgia Farm Bureau Brokerage Inc | Travelers | 255 S RAILROAD AVE, MT VERNON, 30445 | 912-583-4426 |
| Danny Davis | State Farm | 1203 Bellevue Avenue, Dublin, 31021-4103 | 478-274-1906 |
| Herman Moore Lutcf | State Farm | 21 S Second Ave, Mc Rae Helena, 31055 | 229-868-6459 |
| Yates Insurance & Real Estate Inc | Travelers | 2030 Veterans Blvd, Dublin, 31021 | None |
| Jones Ray In Agen | Allstate | 513 West 12th Street, Alma, 31510 | (912) 632-7632 |
Alamo, GA 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 | +$67 | $1,599 |
| Driver's Failure In Showing Documents | +$149 | $1,681 |
| Driving With An Expired Registration | +$158 | $1,690 |
| Driving At A Considerably Slow Pace | +$332 | $1,864 |
| Using A Cellphone While Driving | +$351 | $1,883 |
| Running A Red Light | +$357 | $1,889 |
| Speeding | +$375 | $1,907 |
| Driving A Vehicle Without The Required Permission | +$476 | $2,008 |
| Driving With An Expired/Suspended License | +$1,033 | $2,565 |
Alamo, GA 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 | $1,471 |
| Active Disabling Device | $1,471 |
| Tracking Device | $1,440 |
| Passive Disabling Device | $1,425 |