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

Creola, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Creola, 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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An Analysis of Car Insurance Rates in Creola, AL

Nestled in Mobile County, Creola, AL, is a city known for its scenic beauty and close-knit community. As with any city in Alabama, car insurance is a crucial aspect of life for drivers. In this article, we shall dissect the car insurance spectrum in Creola, shedding light on the prime competitors in the market, elucidating the intricacies of quotes, rates, and agents, and delving into the factors that sculpt the insurance rates in the city.

Prime Competitors and Their Rates

  • State Farm: A household name in the insurance sphere, State Farm's yearly premiums for Creola residents commonly span between $1,280 and $1,500.
  • Geico: A nationwide insurance titan, Geico's rates in Creola tend to oscillate between $1,240 and $1,430 annually.
  • Progressive: Known for its flexibility and variety, Progressive's insurance rates for Creola drivers typically range from $1,270 to $1,490.
  • Allstate: With its vast array of options, Allstate's annual rates in Creola fluctuate between $1,310 and $1,540.

Unraveling Quotes, Rates & Agents

  • Quotes: Tailored to each individual, quotes offer a predicted insurance cost based on factors like the age of the driver, type of vehicle, and driving history.
  • Rates: Offering a broader perspective, rates give a median cost of car insurance within areas like Creola, providing consumers with a comparison benchmark.
  • Agents: Bridging the gap between insurance providers and potential clients, agents demystify policy nuances, pinpoint discounts, and craft policies to resonate with individual needs.

Factors Sculpting Insurance Rates in Creola, AL

  • Demographic Details: Characteristics such as age, gender, and marital status play pivotal roles in determining rates. For instance, younger drivers often face steeper premiums due to higher perceived risk.
  • Driving Record: History matters. Drivers with past accidents or infringements might witness elevated rates, while a pristine record could lead to discounts.
  • Vehicle Specifics: The type, model, and age of a vehicle can impact premiums. Luxury cars or those with high repair costs generally attract higher premiums.
  • Local Variables: Aspects unique to Creola, such as traffic conditions, prevalent crime rates, and regional accident statistics, significantly influence insurance rates.
  • Coverage Depth: Comprehensive policies with high liability limits might come with elevated premiums.
  • Deductible Decisions: Opting for a higher deductible can reduce the annual premium, but it also implies more out-of-pocket expenses during claims.
  • Discount Avenues: Numerous pathways, from safe driving bonuses to vehicle safety features, can lead to reduced insurance costs.

Car insurance in Creola, AL, is a composite of the offerings by major market players, the expertise of local agents, and the specific nuances the city introduces. While the significant competitors set the stage with their foundational rates, it's the nuanced understanding and guidance of local agents that ensure each Creola resident receives a tailor-made experience. By grasping these determinants and actively comparing quotes, residents can confidently maneuver through the car insurance domain, well-armed with knowledge and insights.

Factors that can influence the cost of car insurance in Creola, 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.

Creola, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Creola, AL with that of other cities in and around Creola.

Creola Prichard Saraland Satsuma Bucks Chickasaw
Average Insurance Rates $1,442 $1,389 $1,465 $1,483 $2,007 $1,402

Creola, 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 Creola, 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)
Creola $2,474 $2,090
Satsuma $1,723 $1,456
Axis $1,495 $1,262
Saraland $2,167 $1,830
Mobile $965 $815
Chickasaw $1,404 $1,186
Bucks $2,067 $1,746
Prichard $1,418 $1,198

Creola, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Creola, 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 $4,679
20 Years $1,853
30 Years $1,427
40 Years $1,373
50 Years $1,272
60 Years $1,289
70 Years $1,501

Creola, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Creola, 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 $2,480 $404
3 Vehicles $3,720 $606
4 Vehicles $4,960 $808

Savings on 2 Vehicles bundle:$404

Savings on 3 Vehicles bundle:$606

Savings on 4 Vehicles bundle:$808

Creola, 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 Creola, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Creola $1,442 $2,557
Satsuma $1,483 $2,629
Axis $1,445 $2,562
Saraland $1,465 $2,597
Mobile $1,440 $2,553
Chickasaw $1,402 $2,486
Bucks $2,007 $3,558
Prichard $1,389 $2,463

Creola, 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) $1,237
Excellent (740-799) $1,412
Good (670-739) $1,503
Average (580-669) $1,960
Poor (300-579) $2,352

Creola, 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
The Paul Carter Agency Travelers 5809 GRELOT RD, MOBILE, 36609 251-461-0777
Jeff Kahn State Farm 1129 Sarald Blvd S Ste B, Saraland, 36571-3612 251-679-3699
Burkholder Insurance Inc Liberty Mutual Independent 115B S UNIVERSITY BLVD, MOBILE, 36608 (251) 450-0061
Rebekah Brown State Farm 119 S University Blvd Ste B, Mobile, 36608-3069 251-344-5874
Doug Graham State Farm 6422 Airport Blvd, Mobile, 36608-3702 251-343-3600
The Friedrich Co Inc Travelers 157 N FLORIDA ST, MOBILE, 36670 251-471-1880
Steve Hester Farmers 851 E I65 Service Rd S Ste 110, Mobile, 36606 (251) 470-9915
Bruce Wells Farmers 624 Saraland Blvd S, Saraland, 36571 (251) 675-0544
Stan Chavis State Farm 602 Bel Air Blvd, Mobile, 36606-3502 251-473-7150

Creola, 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 $1,505
Driver's Failure In Showing Documents +$140 $1,582
Driving With An Expired Registration +$149 $1,591
Driving At A Considerably Slow Pace +$313 $1,755
Using A Cellphone While Driving +$330 $1,772
Running A Red Light +$336 $1,778
Speeding +$353 $1,795
Driving A Vehicle Without The Required Permission +$448 $1,890
Driving With An Expired/Suspended License +$972 $2,414

Creola, 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 $1,384
Active Disabling Device $1,384
Tracking Device $1,355
Passive Disabling Device $1,341