Atlantic Auto Insurance Rates, Quotes, Agents & Reviews in IA

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.

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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 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