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.
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 Rates
- Creola, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Creola, AL
- Multi Vehicle Insurance Savings in Creola, AL
- How Credit Score Affects Car Insurance Rates in Creola, AL
- How DUI Affects Auto Insurance Premiums in Creola, AL
- Top Auto Insurance Agents Near Creola, AL
- How Driving Violations Affect Auto Insurance Rates in Creola, AL
- Creola, AL Auto Insurance Discounts on Anti Theft Feature
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 |