Dallas County Auto Insurance Rates, Quotes, Agents & Reviews in AL

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.

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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 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