Dallas County, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Dallas County, 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 in Dallas County, AL: Rates, Factors, and Top Providers
Every location comes with its own unique set of challenges and benefits when it comes to insurance rates. Dallas County, located in Alabama, offers a comprehensive case study in understanding the dynamics of location and its influence on car insurance premiums. This article delves deep into the major players in Dallas County's insurance scene, analyzes the importance of quotes, rates, and agents, and explores the various factors that tailor the insurance rates in the region.
Dominant Competitors and Their Price Range
- State Farm: A household name, State Farm's rates for Dallas County residents range between $1,250 and $1,480 annually.
- Geico: A major nationwide provider, Geico offers rates in the bracket of $1,220 to $1,400 yearly for this county.
- Progressive: Widely recognized for its versatile offerings, Progressive's annual premiums for Dallas County residents fluctuate between $1,240 and $1,470.
- Allstate: With its tailored insurance packages, Allstate's rates in Dallas County stand at around $1,280 to $1,520 annually.
Breaking Down: Quotes, Rates & Agents
- Quotes: Personalized estimates based on specific details like the vehicle type, driving history, and age. Quotes provide a potential picture of one's prospective insurance costs.
- Rates: These give a generalized cost overview, reflecting the average insurance expenditures in Dallas County. Rates enable residents to gauge their potential costs against a broader county-wide average.
- Agents: Agents are the bridge, connecting customers to insurance companies. They help demystify policy nuances, identify potential discounts, and ensure policies meet individual demands.
Factors Steering Insurance Rates in Dallas County, AL
- Demographic Information: Age, gender, and marital status are significant influencers. Younger drivers often attract higher rates due to their perceived risk factor.
- Driving Record: A record free of violations can be beneficial in obtaining lower premiums. In contrast, any past infractions or accidents may lead to escalated rates.
- Vehicle Specifics: The car's make, age, model, and safety amenities play a pivotal role in determining the rates.
- Local Dynamics: Dallas County-specific factors like crime rates, road conditions, and traffic congestion levels directly impact insurance costs.
- Coverage Depth: Comprehensive coverage generally demands a higher premium compared to basic liability-only policies.
- Deductible Choices: A high deductible might lower annual rates but requires a heftier initial payment if a claim arises.
- Discount Opportunities: Whether for safe driving, having multiple policies, or equipping cars with anti-theft devices, leveraging discounts can lead to considerable savings.
Dallas County, AL, with its distinctive landscape, serves as a fascinating subject when assessing the effects of location on car insurance rates. By acknowledging the offerings of major competitors, recognizing the significance of quotes, rates, and agents, and being attuned to local influencing elements, residents can effectively navigate the insurance waters, securing deals that resonate with their needs and financial outlooks.
Factors that can influence the cost of car insurance in Dallas County, 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.
- Dallas County, AL Auto Insurance Rates
- Dallas County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Dallas County, AL
- Multi Vehicle Insurance Savings in Dallas County, AL
- How Credit Score Affects Car Insurance Rates in Dallas County, AL
- How DUI Affects Auto Insurance Premiums in Dallas County, AL
- Top Auto Insurance Agents Near Dallas County, AL
- How Driving Violations Affect Auto Insurance Rates in Dallas County, AL
- Dallas County, AL Auto Insurance Discounts on Anti Theft Feature
Dallas County, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Dallas County, AL with that of other cities in and around Dallas County.
| Dallas County | Carlowville | Selmont-Tyler | Valley Grande | Safford | Selmont-West Selmont | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,403 | $1,378 | $1,380 | $1,442 | $1,425 | $1,373 |
Dallas County, 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 Dallas County, 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) |
|---|---|---|
| Dallas County | $1,588 | $1,342 |
| Orrville | $1,427 | $1,205 |
| Selmont-West Selmont | $2,048 | $1,730 |
| Valley Grande | $1,989 | $1,680 |
| Selmont-Tyler | $1,882 | $1,589 |
| Selma | $2,733 | $2,308 |
| Safford | $1,239 | $1,047 |
| Carlowville | $1,515 | $1,280 |
Dallas County, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Dallas County, 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 | $4,552 |
| 20 Years | $1,803 |
| 30 Years | $1,388 |
| 40 Years | $1,336 |
| 50 Years | $1,237 |
| 60 Years | $1,254 |
| 70 Years | $1,460 |
Dallas County, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Dallas County, 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 | $2,385 | $421 |
| 3 Vehicles | $3,578 | $631 |
| 4 Vehicles | $4,770 | $842 |
Savings on 2 Vehicles bundle:$421
Savings on 3 Vehicles bundle:$631
Savings on 4 Vehicles bundle:$842
Dallas County, 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 Dallas County, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Dallas County | $1,403 | $2,488 |
| Orrville | $1,372 | $2,433 |
| Selmont-West Selmont | $1,373 | $2,434 |
| Valley Grande | $1,442 | $2,557 |
| Selmont-Tyler | $1,380 | $2,447 |
| Selma | $1,413 | $2,505 |
| Safford | $1,425 | $2,527 |
| Carlowville | $1,378 | $2,443 |
Dallas County, 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) | $1,204 |
| Excellent (740-799) | $1,374 |
| Good (670-739) | $1,462 |
| Average (580-669) | $1,907 |
| Poor (300-579) | $2,288 |
Dallas County, 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 Morris Agency Inc | Travelers | 1003 Broad St, Selma, 36701 | None |
| Bob Myers | State Farm | 1009 Highland Ave, Selma, 36701-4960 | 334-875-1080 |
| Cedric Bradford | State Farm | 420 S Lawrence St, Montgomery, 36104-4220 | 334-262-5100 |
| Ben Pugh | Allstate | 2100 Spruce St, Montgomery, 36106 | (334) 263-3220 |
| Greg Tillman | State Farm | 2851 Earl Goodwin Pkwy, Selma, 36703-2704 | 334-872-1491 |
| Mitch Devers | State Farm | 470 McQueen Smith Road S, Prattville, 36066-5631 | 334-365-3100 |
| Starke Agency Inc | Travelers | 210 COMMERCE ST, MONTGOMERY, 36104 | 334-263-5535 |
| Marcus Inc., Insurance | None | 21204 Hwy 31, Thorsby, 35171 | None |
| Davis & Davis Insurance Agency, Inc. | None | 401 6Th Street N, Clanton, 35045 | None |
| Cia Group Inc. Dba Colonial Insurance Agency | None | 5251 Hampstead High Street 5251 Hampstead High Street, Montgomery, 36116 | None |
Dallas County, 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 | +$62 | $1,465 |
| Driver's Failure In Showing Documents | +$136 | $1,539 |
| Driving With An Expired Registration | +$145 | $1,548 |
| Driving At A Considerably Slow Pace | +$304 | $1,707 |
| Using A Cellphone While Driving | +$321 | $1,724 |
| Running A Red Light | +$327 | $1,730 |
| Speeding | +$344 | $1,747 |
| Driving A Vehicle Without The Required Permission | +$436 | $1,839 |
| Driving With An Expired/Suspended License | +$946 | $2,349 |
Dallas County, 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 | $1,347 |
| Active Disabling Device | $1,347 |
| Tracking Device | $1,319 |
| Passive Disabling Device | $1,305 |