Daleville, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Daleville, 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.
A Comprehensive Look at Car Insurance Rates in Daleville, AL
Daleville, located in the Wiregrass region of Alabama, presents its own unique characteristics when it comes to car insurance rates. Whether you're new to Daleville or a long-time resident, understanding the dynamics of car insurance in this area is crucial. This article explores the top industry competitors, rates, quotes, and the role of agents, while also diving into the factors that mold the insurance rates in Daleville.
Key Competitors and Their Offerings
- Please note: The rates mentioned are based on 2021 data and are merely illustrative. The actual figures can vary depending on multiple factors.
- State Farm: A major player in the insurance arena, State Farm's Daleville rates generally fluctuate between $1,220 to $1,440 annually.
- Geico: Renowned nationwide, Geico provides rates for Daleville residents that average around $1,190 to $1,370 annually.
- Progressive: With diverse policy options, Progressive’s yearly rates in Daleville typically range from $1,230 to $1,450.
- Allstate: Recognized for its comprehensive insurance solutions, Allstate’s rates in Daleville hover around $1,260 to $1,490 annually.
Demystifying Quotes, Rates & Agents
- Quotes: Essentially, quotes offer an insight into the prospective insurance cost for an individual, considering factors like driving history, car type, age, and more.
- Rates: While quotes are personal, rates provide a broader view, indicating the average insurance cost in Daleville, helping residents see where their expenses lie on the spectrum.
- Agents: They act as intermediaries, guiding potential customers through the policy nuances, flagging potential discounts, and ensuring that the policy chosen matches individual requirements.
Determinants of Insurance Rates in Daleville, AL
- Personal Details: Aspects such as age, marital status, and gender can have a pronounced effect on rates. Typically, younger drivers face higher rates due to perceived inexperience.
- Driving Record: A pristine driving history can be your ticket to lower rates, while past infractions or accidents can elevate your premiums.
- Vehicle Aspects: Factors like the make, model, age, and safety features of your vehicle play a significant role in rate determination.
- Local Nuances: Aspects unique to Daleville, such as the frequency of accidents, crime rates, or traffic density, can influence the rates.
- Coverage Depth: Naturally, opting for an all-encompassing coverage will have a higher price tag than a basic liability policy.
- Deductible Choices: While a higher deductible can bring down your yearly premium, it means you'll be shelling out more in the event of a claim.
- Available Discounts: Utilizing discounts—be it for good driving records, bundled policies, or vehicle safety features—can substantially reduce insurance costs.
Understanding car insurance in Daleville, AL, means familiarizing oneself with the offerings of top competitors and leveraging the expertise of local agents. By keeping a finger on the pulse of the prevailing rates, continually comparing quotes, and being aware of the influencing factors, Daleville residents can secure the best coverage suited to their needs.
Factors that can influence the cost of car insurance in Daleville, 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.
- Daleville, AL Auto Insurance Rates
- Daleville, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Daleville, AL
- Multi Vehicle Insurance Savings in Daleville, AL
- How Credit Score Affects Car Insurance Rates in Daleville, AL
- How DUI Affects Auto Insurance Premiums in Daleville, AL
- Top Auto Insurance Agents Near Daleville, AL
- How Driving Violations Affect Auto Insurance Rates in Daleville, AL
- Daleville, AL Auto Insurance Discounts on Anti Theft Feature
Daleville, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Daleville, AL with that of other cities in and around Daleville.
| Daleville | Bellwood-Coffee Springs | Level Plains | Fort Rucker | Clayhatchee | Newton | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,441 | $1,445 | $1,498 | $1,962 | $1,425 | $1,416 |
Daleville, 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 Daleville, 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) |
|---|---|---|
| Daleville | $1,988 | $1,679 |
| Clayhatchee | $1,476 | $1,247 |
| Level Plains | $1,834 | $1,549 |
| Fort Rucker | $2,021 | $1,707 |
| Enterprise | $1,113 | $940 |
| Newton | $2,274 | $1,921 |
| Bellwood-Coffee Springs | $1,438 | $1,215 |
| Coffee Springs | $1,595 | $1,348 |
Daleville, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Daleville, 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 | $4,676 |
| 20 Years | $1,852 |
| 30 Years | $1,426 |
| 40 Years | $1,372 |
| 50 Years | $1,271 |
| 60 Years | $1,288 |
| 70 Years | $1,500 |
Daleville, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Daleville, 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 | $2,536 | $346 |
| 3 Vehicles | $3,804 | $519 |
| 4 Vehicles | $5,072 | $692 |
Savings on 2 Vehicles bundle:$346
Savings on 3 Vehicles bundle:$519
Savings on 4 Vehicles bundle:$692
Daleville, 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 Daleville, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Daleville | $1,441 | $2,555 |
| Clayhatchee | $1,425 | $2,527 |
| Level Plains | $1,498 | $2,656 |
| Fort Rucker | $1,962 | $3,479 |
| Enterprise | $1,379 | $2,445 |
| Newton | $1,416 | $2,511 |
| Bellwood-Coffee Springs | $1,445 | $2,562 |
| Coffee Springs | $1,409 | $2,498 |
Daleville, 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) | $1,236 |
| Excellent (740-799) | $1,411 |
| Good (670-739) | $1,502 |
| Average (580-669) | $1,959 |
| Poor (300-579) | $2,350 |
Daleville, 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 |
|---|---|---|---|
| Mark Goodson | Allstate | 804 Boll Weevil Cir, Enterprise, 36330 | (334) 347-3333 |
| Mary Grimes | Farmers | 1208 Rucker Blvd Ste B, Enterprise, 36330 | (334) 347-2544 |
| Brad Snellgrove | Allstate | 702 S Main St, Enterprise, 36330 | (334) 475-4448 |
| The Griffin Agency | Travelers | 703 GLOVER AVE, ENTERPRISE, 36330 | 334-347-8228 |
| Enterprise Insurance Services Llc | Allstate | 381 N Daleville Ave, Daleville, 36322 | (334) 347-9133 |
| Flowers Eufaula Llc | Travelers | 2501 W MAIN ST SUITE 500, DOTHAN, 36301 | 334-794-8646 |
| Insurance Solutions | Allstate | PO Box 1329, Troy, 36081 | (334) 566-2484 |
Daleville, 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 | $1,504 |
| Driver's Failure In Showing Documents | +$140 | $1,581 |
| Driving With An Expired Registration | +$148 | $1,589 |
| Driving At A Considerably Slow Pace | +$313 | $1,754 |
| Using A Cellphone While Driving | +$330 | $1,771 |
| Running A Red Light | +$336 | $1,777 |
| Speeding | +$353 | $1,794 |
| Driving A Vehicle Without The Required Permission | +$448 | $1,889 |
| Driving With An Expired/Suspended License | +$971 | $2,412 |
Daleville, 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 | $1,383 |
| Active Disabling Device | $1,383 |
| Tracking Device | $1,355 |
| Passive Disabling Device | $1,340 |