Cowarts Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 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