Atlantic, IA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Atlantic, IA, 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.
Car Insurance Rates in Atlantic, IA
Car insurance is a must-have for drivers in Atlantic, IA. Whether you're a new driver or an experienced one, it's important to understand the factors that can impact car insurance rates in the area. From the age of the driver to their credit score, there are several variables that insurance companies consider when determining car insurance rates in Atlantic, IA. In this article, we'll explore some of the primary factors that influence car insurance rates in Atlantic, IA and provide tips on how to get the best insurance coverage for your needs.
Age of the Driver
One of the primary factors that impact car insurance rates in Atlantic, IA is the age of the driver. Generally, younger drivers tend to pay more for car insurance than older drivers. This is because younger drivers are considered riskier to insure due to their lack of driving experience. Teenagers and young adults in Atlantic, IA can expect to pay higher car insurance rates than their more experienced counterparts. It is important for young drivers to maintain a clean driving record and take defensive driving courses to help lower their insurance costs. For instance, teenagers in Atlantic pay a premium of $3,225, whereas drivers with 30 years to 40 years pay a premium of $984 and $946, respectively.
Credit score
Another factor that can impact car insurance rates in Atlantic, IA is the driver's credit score. Insurance companies use credit scores as a way to predict the likelihood of a driver making a claim. Drivers with lower credit scores are considered higher risk and may face higher car insurance rates. It is important for drivers in Atlantic, IA to maintain good credit scores by paying their bills on time and managing their finances responsibly. For instance, auto owners with a score of 800 to 850 have to pay a premium of $853. In contrast, auto owners with a poor score of 300-579 have to pay a premium of $1,621.
Multi Car Insurance
Finally, another factor that can impact car insurance rates in Atlantic, IA is multi-car insurance. If a household has multiple cars insured with the same insurance company, they may be eligible for a discount on their insurance rates. This can help lower the overall cost of car insurance for families in Atlantic, IA who have more than one car. Zimlon's analysis proves that car owners with two-vehicle and three-vehicle bundles pay $1690 and $2535, respectively, on auto insurance rates. In the Atlantic, bundling four vehicles can save $3380 on car insurance rates.
Factors that can influence the cost of car insurance in Atlantic, IA 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.
- Atlantic, IA Auto Insurance Rates
- Atlantic, IA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Atlantic, IA
- Multi Vehicle Insurance Savings in Atlantic, IA
- How Credit Score Affects Car Insurance Rates in Atlantic, IA
- How DUI Affects Auto Insurance Premiums in Atlantic, IA
- Top Auto Insurance Agents Near Atlantic, IA
- How Driving Violations Affect Auto Insurance Rates in Atlantic, IA
- Atlantic, IA Auto Insurance Discounts on Anti Theft Feature
Atlantic, IA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Atlantic, IA with that of other cities in and around Atlantic.
| Atlantic | Marne | Grove | Bear Grove | Pymosa | Wiota | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $994 | $1,038 | $1,095 | $1,008 | $1,132 | $1,022 |
Atlantic, IA 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 Atlantic, IA 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) |
|---|---|---|
| Atlantic | $1,566 | $1,322 |
| Grove | $1,473 | $1,244 |
| Pymosa | $1,716 | $1,449 |
| Marne | $1,347 | $1,138 |
| Cass County | $1,686 | $1,424 |
| Wiota | $1,210 | $1,022 |
| Bear Grove | $1,419 | $1,199 |
| Layton | $1,435 | $1,212 |
Atlantic, IA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Atlantic, IA 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 | $3,225 |
| 20 Years | $1,277 |
| 30 Years | $984 |
| 40 Years | $946 |
| 50 Years | $876 |
| 60 Years | $889 |
| 70 Years | $1,034 |
Atlantic, IA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Atlantic, IA 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 | $1,690 | $298 |
| 3 Vehicles | $2,535 | $447 |
| 4 Vehicles | $3,380 | $596 |
Savings on 2 Vehicles bundle:$298
Savings on 3 Vehicles bundle:$447
Savings on 4 Vehicles bundle:$596
Atlantic, IA 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 Atlantic, IA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Atlantic | $994 | $1,689 |
| Grove | $1,095 | $1,861 |
| Pymosa | $1,132 | $1,923 |
| Marne | $1,038 | $1,764 |
| Cass County | $1,093 | $1,857 |
| Wiota | $1,022 | $1,736 |
| Bear Grove | $1,008 | $1,713 |
| Layton | $988 | $1,679 |
Atlantic, IA 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) | $853 |
| Excellent (740-799) | $973 |
| Good (670-739) | $1,036 |
| Average (580-669) | $1,351 |
| Poor (300-579) | $1,621 |
Atlantic, IA 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 |
|---|---|---|---|
| Megan Roberts | State Farm | 912 E 7th St, Atlantic, 50022-1806 | 712-243-4825 |
| Scott Jensen | State Farm | 204 W 7th St, Atlantic, 50022-1452 | 712-243-4824 |
| United Group Insurance | None | 2 E 6Th St, Atlantic, 50022 | None |
| Corn Belt Insurance Agency | None | 101 Main St, Massena, 50853 | None |
| Town & Country Insurance | None | 116 Ne 2Nd, Stuart, 50250 | None |
| Brocker Karns & Karns, Inc. | None | 104 Chestnut St, Anita, 50020 | None |
| Hagler & Assoc - Dennis L. Hagler | None | 5124 Karen Drive , Panora, 50216 | None |
Atlantic, IA 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 | +$44 | $1,038 |
| Driver's Failure In Showing Documents | +$96 | $1,090 |
| Driving With An Expired Registration | +$102 | $1,096 |
| Driving At A Considerably Slow Pace | +$216 | $1,210 |
| Using A Cellphone While Driving | +$228 | $1,222 |
| Running A Red Light | +$232 | $1,226 |
| Speeding | +$244 | $1,238 |
| Driving A Vehicle Without The Required Permission | +$309 | $1,303 |
| Driving With An Expired/Suspended License | +$670 | $1,664 |
Atlantic, IA 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 | $954 |
| Active Disabling Device | $954 |
| Tracking Device | $934 |
| Passive Disabling Device | $924 |