Dadeville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Dadeville, 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.
Car Insurance Trends & Comparisons in Dadeville, AL
Nestled within the boundaries of Tallapoosa County, Dadeville, AL, is a city with its unique dynamics and charm. As a crucial facet of day-to-day life, car insurance for Dadeville residents is of paramount importance. This article embarks on a journey to dissect the car insurance landscape in Dadeville, juxtaposing the main industry contenders, decoding the realm of quotes, rates, and agents, and highlighting the myriad variables that calibrate the insurance rates in this picturesque city.
Top Contenders and Their Rate Offerings
- State Farm: A juggernaut in the insurance world, State Farm’s annual premiums in Dadeville hover between $1,240 and $1,460.
- Geico: Synonymous with its broad national outreach, Geico’s rates for Dadeville residents range approximately from $1,210 to $1,390 annually.
- Progressive: Catering to a vast clientele, Progressive's yearly rates in Dadeville lie between $1,250 and $1,470.
- Allstate: Esteemed for its wide array of insurance solutions, Allstate’s annual premiums for Dadeville circle around $1,280 to $1,510.
Decomposing Quotes, Rates & Agents
- Quotes: Personalized to the tee, insurance quotes provide a snapshot of what one might expend, shaped by criteria like the type of vehicle, driving history, and more.
- Rates: Capturing a macro view, rates depict the generalized expense of car insurance, enabling Dadeville denizens to benchmark their costs.
- Agents: Bridging the divide between insurance behemoths and consumers, agents illuminate policy intricacies, spotlight discounts, and tailor packages for individual preferences.
Key Determinants of Insurance Rates in Dadeville, AL
- Demographic Elements: Parameters like age, gender, and marital status hold significant sway. Younger drivers, for instance, might face steeper rates due to perceived risk.
- Driving Chronicles: A record untainted by violations often paves the way for enticing discounts, while a checkered history can escalate rates.
- Vehicle Details: Specifications of one’s vehicle, from its make to its safety apparatus, profoundly influence insurance rates.
- City-Centric Features: Characteristics unique to Dadeville, such as its traffic patterns, local crime rates, or road quality, play a part in determining rates.
- Extent of Coverage: A comprehensive coverage naturally bears a heftier price tag as compared to basic packages.
- Deductible Decisions: Elevating one's deductible can often curtail the annual premium, though it demands higher immediate costs in the event of claims.
- Discount Avenues: Multiple policy discounts, safe driving bonuses, and more can markedly trim the overall premium costs.
For the residents of Dadeville, AL, charting the car insurance waters necessitates a comprehensive grasp of offerings by key players, coupled with the expertise available via local agents. By staying abreast of current trends and actively comparing quotes, Dadeville's citizens can adeptly navigate their insurance journey, ensuring optimal protection on the city’s roads.
Factors that can influence the cost of car insurance in Dadeville, 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.
- Dadeville, AL Auto Insurance Rates
- Dadeville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Dadeville, AL
- Multi Vehicle Insurance Savings in Dadeville, AL
- How Credit Score Affects Car Insurance Rates in Dadeville, AL
- How DUI Affects Auto Insurance Premiums in Dadeville, AL
- Top Auto Insurance Agents Near Dadeville, AL
- How Driving Violations Affect Auto Insurance Rates in Dadeville, AL
- Dadeville, AL Auto Insurance Discounts on Anti Theft Feature
Dadeville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Dadeville, AL with that of other cities in and around Dadeville.
| Dadeville | Our Town | Tallapoosa County | New Site | Jacksons' Gap | Camp Hill | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,485 | $2,111 | $1,432 | $1,412 | $1,408 | $1,376 |
Dadeville, 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 Dadeville, 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) |
|---|---|---|
| Dadeville | $1,104 | $933 |
| Tallapoosa County | $1,944 | $1,642 |
| Jacksons' Gap | $1,434 | $1,211 |
| Camp Hill | $2,037 | $1,721 |
| Our Town | $2,174 | $1,837 |
| Alexander City | $1,314 | $1,110 |
| New Site | $1,481 | $1,251 |
| Waverly | $1,281 | $1,082 |
Dadeville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Dadeville, 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 | $4,819 |
| 20 Years | $1,908 |
| 30 Years | $1,470 |
| 40 Years | $1,414 |
| 50 Years | $1,309 |
| 60 Years | $1,328 |
| 70 Years | $1,545 |
Dadeville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Dadeville, 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 | $2,554 | $416 |
| 3 Vehicles | $3,831 | $624 |
| 4 Vehicles | $5,108 | $832 |
Savings on 2 Vehicles bundle:$416
Savings on 3 Vehicles bundle:$624
Savings on 4 Vehicles bundle:$832
Dadeville, 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 Dadeville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Dadeville | $1,485 | $2,633 |
| Tallapoosa County | $1,432 | $2,539 |
| Jacksons' Gap | $1,408 | $2,496 |
| Camp Hill | $1,376 | $2,440 |
| Our Town | $2,111 | $3,743 |
| Alexander City | $1,425 | $2,527 |
| New Site | $1,412 | $2,504 |
| Waverly | $1,380 | $2,447 |
Dadeville, 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) | $1,274 |
| Excellent (740-799) | $1,454 |
| Good (670-739) | $1,547 |
| Average (580-669) | $2,019 |
| Poor (300-579) | $2,422 |
Dadeville, 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 |
|---|---|---|---|
| Skyway Financial Group | None | 6800 W Central Ave Ste C4 , Toledo, 43617 | None |
| Dark Insurance Agency Inc | Travelers | 410 HILLABEE ST, ALEXANDER CITY, 35011 | 256-234-5026 |
| Dana Chua | Allstate | 839 Airport Dr Ste 105, Alexander City, 35010 | (256) 215-3833 |
| Talladega Insurance Agency | Travelers | 109 N Spring St, Talladega, 35160 | None |
| Talladega Insurance Agency | Travelers | 109 N Spring St, Talladega, 35160 | None |
| Clarks Insurance Center Of Talladega | None | 106 S Court Square, Talladega, 35161 | None |
| Belcher Agency Inc | None | 416 South Perry Street, Montgomery, 36103 | None |
| Robert Ingram | Farmers | 1213 N Main Ave, Sylacauga, 35150 | (256) 207-4448 |
Dadeville, 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 | +$65 | $1,550 |
| Driver's Failure In Showing Documents | +$144 | $1,629 |
| Driving With An Expired Registration | +$153 | $1,638 |
| Driving At A Considerably Slow Pace | +$322 | $1,807 |
| Using A Cellphone While Driving | +$340 | $1,825 |
| Running A Red Light | +$346 | $1,831 |
| Speeding | +$364 | $1,849 |
| Driving A Vehicle Without The Required Permission | +$462 | $1,947 |
| Driving With An Expired/Suspended License | +$1,001 | $2,486 |
Dadeville, 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 | $1,426 |
| Active Disabling Device | $1,426 |
| Tracking Device | $1,396 |
| Passive Disabling Device | $1,381 |