Alexandria, LA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Alexandria, LA, 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.
Auto Insurance Rates in Alexandria, Louisiana
Louisiana is one of the most expensive auto insurance states in the country, with an annual average insurance rate of $2700. The insurance rates in Louisiana have been high for the last few years. There are many factors responsible for this: poor roads, natural disaster damage, etc.
There has been an astronomical increase of 155% in the Compound Annual Growth Rate (CAGR) in Alexandria. The insurance rates have increased from $900 in 2009 to $2300 in 2013. Alexandria is one of the less expensive cities to insure a car in the state, considering that the insurance rates here are below the state’s average of $2700.
Of the 9 major cities in Louisiana, Alexandria is the 4th least expensive. To afford a car in Alexandria, one would have to earn between $3230 and $5170 per month. Though the insurance rates in Alexandria are relatively low, they can shoot up if you are convicted of a drunk driving charge. Your insurance company is likely to increase your rate to $2800 after your first DUI conviction.
The average comprehensive coverage rate in Alexandria is $342, which is lower than the state average comprehensive insurance rate ($405).
Similarly, the average collision insurance rate in Alexandria is $342, well below the Louisiana state average collision insurance rate of $864.
Among the various models available in Alexandria, the Mercedes S65 AMG is the costliest one, with an annual insurance premium of $4200. The Jeep Patriot Sport is the least expensive, with a premium of $1700.
If we consider the insurance rates as well as the Manufacturer’s Suggested Retail Price (MSRP), the Kia Rio is the least expensive and the Kia Sedona is the most expensive. The Kia Rio has an MSRP of $16115 and insurance rate of $2100. On the other hand, the Kia Sedona has an MSRP of around $27359 and insurance rate of $1800.
In the SUV segment, the Kia Sorento is the most affordable option available. With an MSRP of $27020 and average annual insurance rate of $1800, the Sorento is a great choice in Alexandria. The Kia Forte is the most expensive car in the small car segment, with an MSRP of $18235 and an insurance rate of $1900.
How much does it cost to Insure your car in Alexandria, LA
The average cost of car insurance in Alexandria, LA is $2392 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.
The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.
Based on deductibles
To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Alexandria, LA can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Alexandria, LA car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Alexandria this difference is $1091 and $921 respectively.
Auto Insurance Cost in Alexandria Based on deductibles in nearby cities
Multi Car Insurance Rates
Alexandria car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Alexandria car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Alexandria , insurance companies provide $622 and $933 off on 2 vehicle bundle and 3 vehicles bundle respectively. One can save $1244 on auto insurance by bundling 4 vehicles in Alexandria.
Based on the credit score
In most of the states credit score is a major rating factor. Car owners with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Alexandria car owners with a good credit score with 800 or more pay only upto $2052 for insurance whereas those who are low on the totem pole may end up paying considerably more at $3902.
Based on age of the car owner
Teenagers and young residents of Alexandria pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Alexandria is $7762 while 30-50 year olds can expect to find cheaper rates at less than $2367-$2109 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.
Factors that can influence the cost of car insurance in Alexandria, LA 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.
- Alexandria, LA Auto Insurance Rates
- Alexandria, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Alexandria, LA
- Multi Vehicle Insurance Savings in Alexandria, LA
- How Credit Score Affects Car Insurance Rates in Alexandria, LA
- How DUI Affects Auto Insurance Premiums in Alexandria, LA
- Top Auto Insurance Agents Near Alexandria, LA
- How Driving Violations Affect Auto Insurance Rates in Alexandria, LA
- Alexandria, LA Auto Insurance Discounts on Anti Theft Feature
- Alexandria, LA Auto Insurance Company Reviews
Alexandria, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Alexandria, LA with that of other cities in and around Alexandria.
|Average Insurance Rates||$2,392||$2,498||$2,437||$2,431||$3,231||$2,455|
Alexandria, LA 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 Alexandria, LA 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)|
Alexandria, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Alexandria, LA 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|
Alexandria, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Alexandria, LA 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|
Savings on 2 Vehicles bundle:$622
Savings on 3 Vehicles bundle:$933
Savings on 4 Vehicles bundle:$1,244
Alexandria, LA 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 Alexandria, LA.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Alexandria, LA 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|
Alexandria, LA 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|
|Christopher Bates||Allstate||1359 Peterman Dr, Alexandria, 71301||(318) 202-2231|
|Turrentine Insurance Agency, Inc.||None||955 Macarthur Drive, Alexandria, 71303||None|
|Williams Agency Inc.||Allstate||6501 Coliseum Blvd Ste 100F, Alexandria, 71303||(318) 473-9401|
|Gary Clark||State Farm||735 MacArthur Drive, Alexandria, 71303-3114||318-445-7133|
|American Delta Insurance Services, Llc||None||5401 B Jackson Street, Alexandria, 71303||None|
|Mike Murphy||State Farm||455 Second Street, Natchitoches, 71457-4651||318-352-7311|
|Eric Gil||State Farm||605 E Lasalle St, Ville Platte, 70586-3915||337-363-7737|
|Regions Insurance||None||1439 Centre Ct Ste 200, Alexandria, 71301||None|
|Tandy E Jackson Agcy||None||1325 Washington St, Natchitoches, 71457||None|
Alexandria, LA 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||+$105||$2,497|
|Driver's Failure In Showing Documents||+$232||$2,624|
|Driving With An Expired Registration||+$246||$2,638|
|Driving At A Considerably Slow Pace||+$519||$2,911|
|Using A Cellphone While Driving||+$548||$2,940|
|Running A Red Light||+$557||$2,949|
|Driving A Vehicle Without The Required Permission||+$744||$3,136|
|Driving With An Expired/Suspended License||+$1,612||$4,004|
Alexandria, LA 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|
|Active Disabling Device||$2,296|
|Passive Disabling Device||$2,225|
Latest Auto Insurance Reviews in Alexandria, LA | Back to Top
I'm totally satisfied with out deductible. It's a common one so the value is good, and we haven't had to adjust it since we bought the car.
They offer great reward points and system compared to others that i have had in the past. Also they will no drop your coverage if you actually need to use your insurance, like other insurances do.
The insurance keeps pushing auto insurance even though I do not have a vehicle. It is annoying and I do not like it. There customer service does not really get it.
The auto insurance rates were good. And there is a multi policy discount, that put the cost down less than other companies
Allstate is a very good insurance provider and it provides very good insuance plocies to the customers. It alwys comes beneficial for the customers.
I can't speak to customer service for any claims, however, the prices in my opinion are a little high and seems to keep going up each time at renewal although my driving situation.
I have been satisfied with my auto insurance provider as they have provided adequate service and reasonable rates.
premium is lower than others we checked and deductible is on low side as well and they cover so much, its the best I think