Cowarts, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Cowarts, 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.
Cracking the Code on Car Insurance Rates in Cowarts, AL
In the intricate labyrinth of car insurance, Cowarts, Alabama stands as a microcosm of diverse drivers, vehicles, and coverage needs. As a pivotal element in vehicle ownership, understanding car insurance in Cowarts is essential for its residents. This article aims to 'crack the code', highlighting major competitors, breaking down the nuances of quotes, rates, and agents, and identifying the myriad factors that mold insurance rates in the city.
Top Competitors and Their Rates
- State Farm: An indomitable entity in insurance, State Farm's annual premiums in Cowarts typically oscillate between $1,300 and $1,520.
- Geico: With its vast network, Geico's yearly rates in Cowarts gravitate around $1,260 to $1,440.
- Progressive: Championing adaptive policy structures, Progressive's rates in Cowarts range from $1,290 to $1,490 annually.
- Allstate: Catering to diverse insurance needs, Allstate's premiums in Cowarts waver between $1,330 and $1,550 per year.
Quotes, Rates & Agents
- Quotes: Customized estimates, quotes give drivers insights into their prospective insurance expenses by considering individualistic parameters like vehicle type, age, and driving record.
- Rates: Providing a broader canvas, rates shed light on the average insurance costs in a location, such as Cowarts, serving as a benchmark for consumer comparisons.
- Agents: As the bridge between the vast world of insurance and customers, agents play a pivotal role. Their insights help decipher policy jargon, spotlight discounts, and customize policies to resonate with specific needs.
Factors Influencing Insurance Rates in Cowarts, AL
- Demographics: Age, gender, and marital status are primary variables in determining insurance rates. Younger drivers, due to perceived higher risks, might face steeper rates.
- Driving Record: Clean records are often rewarded with attractive rates, whereas past violations or accidents can elevate premiums.
- Vehicle Specifications: Cars with high repair costs, luxury brands, or those that are frequent targets for theft might command higher insurance rates.
- City Dynamics: Traffic patterns in Cowarts, local car-related accident frequencies, and crime rates significantly impact premium calculations.
- Coverage Scope: Comprehensive policies with higher liability thresholds generally come with steeper premiums.
- Choice of Deductible: Opting for a high deductible might reduce yearly rates but would imply more out-of-pocket expenses during claims.
- Discount Channels: Good driving habits, student discounts, and vehicle safety features are among the many avenues that can lead to slashed rates.
Decoding the car insurance enigma in Cowarts, AL unveils a multifaceted landscape of individual needs, strategies by prominent insurers, and city-specific influences. While these industry juggernauts lay out the foundational rates, local agents infuse personalization, ensuring residents of Cowarts are enveloped in optimal coverage. Armed with knowledge of influential factors, a proactive stance in seeking and comparing quotes, and tapping into the expertise of agents, residents can traverse the insurance maze with confidence and clarity.
Factors that can influence the cost of car insurance in Cowarts, 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.
- Cowarts, AL Auto Insurance Rates
- Cowarts, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cowarts, AL
- Multi Vehicle Insurance Savings in Cowarts, AL
- How Credit Score Affects Car Insurance Rates in Cowarts, AL
- How DUI Affects Auto Insurance Premiums in Cowarts, AL
- Top Auto Insurance Agents Near Cowarts, AL
- How Driving Violations Affect Auto Insurance Rates in Cowarts, AL
- Cowarts, AL Auto Insurance Discounts on Anti Theft Feature
Cowarts, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Cowarts, AL with that of other cities in and around Cowarts.
| Cowarts | Ashford | Dothan | Webb | Avon | Cottonwood | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,423 | $1,456 | $1,359 | $1,415 | $1,430 | $1,412 |
Cowarts, 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 Cowarts, 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) |
|---|---|---|
| Cowarts | $1,932 | $1,632 |
| Avon | $1,243 | $1,050 |
| Houston County | $1,505 | $1,271 |
| Webb | $1,335 | $1,128 |
| Dothan | $1,265 | $1,068 |
| Ashford | $2,813 | $2,376 |
| Kinsey | $1,479 | $1,249 |
| Cottonwood | $1,315 | $1,111 |
Cowarts, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Cowarts, 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 | $4,617 |
| 20 Years | $1,828 |
| 30 Years | $1,408 |
| 40 Years | $1,355 |
| 50 Years | $1,255 |
| 60 Years | $1,272 |
| 70 Years | $1,481 |
Cowarts, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Cowarts, 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 | $2,448 | $398 |
| 3 Vehicles | $3,671 | $598 |
| 4 Vehicles | $4,895 | $797 |
Savings on 2 Vehicles bundle:$398
Savings on 3 Vehicles bundle:$598
Savings on 4 Vehicles bundle:$797
Cowarts, 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 Cowarts, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Cowarts | $1,423 | $2,523 |
| Avon | $1,430 | $2,535 |
| Houston County | $1,455 | $2,580 |
| Webb | $1,415 | $2,509 |
| Dothan | $1,359 | $2,410 |
| Ashford | $1,456 | $2,582 |
| Kinsey | $1,410 | $2,500 |
| Cottonwood | $1,412 | $2,504 |
Cowarts, 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) | $1,221 |
| Excellent (740-799) | $1,394 |
| Good (670-739) | $1,483 |
| Average (580-669) | $1,935 |
| Poor (300-579) | $2,321 |
Cowarts, 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 |
|---|---|---|---|
| Brian Jones | State Farm | 190 Westgate Pkwy, Dothan, 36303-2931 | 334-793-6396 |
| Germaine Johnson | Allstate | 1034 Ross Clark Cir Ste 3, Dothan, 36303 | (334) 699-4000 |
| Headland Insurance Agency | Travelers | 6 East Church St, Headland, 36345 | None |
| Interstate Motor Carriers/Capacity Agency Llc | None | 1515 Oak Drive, Dothan, 36303 | None |
| The Daughtry Group | Travelers | 3306 ROSS CLARK CIR STE 2, DOTHAN, 36303 | 334-699-3076 |
| Cobb-Steever Insurance Agency Inc | Travelers | 3123 WESLEY WAY, DOTHAN, 36305 | 334-793-1129 |
| Roni Holley | State Farm | 2643 Montgomery Hwy Ste 4, Dothan, 36303-2643 | 334-793-6666 |
| Flowers Insurance Agency, Llc | None | 2501 W Main St 2501 W Main St, Dothan, 36301 | None |
| L. Rimson Solomon Dba Solomon Insurance | None | 502 W Adams, Dothan, 36303 | None |
Cowarts, 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 | $1,486 |
| Driver's Failure In Showing Documents | +$138 | $1,561 |
| Driving With An Expired Registration | +$147 | $1,570 |
| Driving At A Considerably Slow Pace | +$309 | $1,732 |
| Using A Cellphone While Driving | +$326 | $1,749 |
| Running A Red Light | +$332 | $1,755 |
| Speeding | +$349 | $1,772 |
| Driving A Vehicle Without The Required Permission | +$443 | $1,866 |
| Driving With An Expired/Suspended License | +$959 | $2,382 |
Cowarts, 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 | $1,366 |
| Active Disabling Device | $1,366 |
| Tracking Device | $1,338 |
| Passive Disabling Device | $1,323 |