Dauphin Island, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Dauphin Island, 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.
Dauphin Island, AL: An Insight into Local Car Insurance Rates
Understanding the car insurance landscape in Dauphin Island, Alabama, demands a thoughtful examination of various elements — from scrutinizing prominent competitors and their rates to evaluating the role of quotes, agents, and crucial local factors that mold insurance rates. Here’s an enlightening exploration to aid residents and potential movers in navigating through the insurance landscape of Dauphin Island.
Prominent Insurance Competitors and Their Rates
While actual rates can fluctuate based on a wide array of individual factors, we provide here a generalized understanding of the rates from top insurers in Dauphin Island.
- State Farm: Renowned for its solid customer service, the annual rates offered tend to range between $1,100 and $1,350.
- Geico: Popular for its economical pricing, Geico provides rates that often fall between $1,080 and $1,320 annually.
- Allstate: Offering a multitude of policy options, Allstate’s rates span approximately from $1,150 to $1,380 per annum.
- Progressive: Known for its flexible plans, Progressive’s annual rates in Dauphin Island typically lie between $1,140 and $1,370.
Quotes, Rates, and Agents: The Trifecta of Car Insurance
- Quotes: A car insurance quote provides an estimate of your premium based on specifics like age, vehicle type, and driving history, offering an initial idea of your potential costs.
- Rates: This is a broader metric, providing an average cost of insurance, thus offering a general picture of the insurance expenditure in Dauphin Island.
- Agents: Agents serve as invaluable guides through the insurance journey, helping to decipher policy details, locate possible discounts, and ensure alignment between your needs and your policy.
Factors Steering Insurance Rates in Dauphin Island
- Demographics: Age, gender, and marital status play pivotal roles in determining insurance rates, with distinct age groups and genders often attracting different premium rates.
- Vehicle Details: The specifics of your vehicle, including its make, model, age, and safety features, significantly impact insurance premiums.
- Geographical Influences: The locality’s crime rate, prevalence of natural disasters, and overall driving conditions are key contributors to insurance rate determinations.
- Driving Record: A history that reflects safe driving generally attracts lower premiums, while records with infractions or accidents may induce higher rates.
- Coverage and Deductibles: Your chosen level of coverage and deductible amount will influence your premium — higher coverage and lower deductibles generally mean higher premiums, and vice versa.
- Local Legislation: State and local laws, such as those related to minimum insurance requirements, also influence the overall insurance rates in Dauphin Island.
Navigating through Dauphin Island’s car insurance domain necessitates an amalgamation of understanding the leading providers, grasping the importance of quotes, rates, and agents, and recognizing the local factors that significantly sway insurance rates. Armed with this information, residents can approach their insurance endeavors with added confidence and clarity, ensuring they secure policies that resonate with their specific needs and contexts.
Factors that can influence the cost of car insurance in Dauphin Island, 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.
- Dauphin Island, AL Auto Insurance Rates
- Dauphin Island, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Dauphin Island, AL
- Multi Vehicle Insurance Savings in Dauphin Island, AL
- How Credit Score Affects Car Insurance Rates in Dauphin Island, AL
- How DUI Affects Auto Insurance Premiums in Dauphin Island, AL
- Top Auto Insurance Agents Near Dauphin Island, AL
- How Driving Violations Affect Auto Insurance Rates in Dauphin Island, AL
- Dauphin Island, AL Auto Insurance Discounts on Anti Theft Feature
Dauphin Island, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Dauphin Island, AL with that of other cities in and around Dauphin Island.
| Dauphin Island | Bayou La Batre | Belle Fontaine | Grand Bay | Theodore | |
|---|---|---|---|---|---|
| Average Insurance Rates | $1,565 | $1,453 | $1,433 | $1,447 | $1,449 |
Dauphin Island, 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 Dauphin Island, 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) |
|---|---|---|
| Dauphin Island | $1,368 | $1,155 |
| Bayou La Batre | $1,606 | $1,356 |
| Belle Fontaine | $1,173 | $991 |
| Grand Bay | $1,377 | $1,163 |
| Theodore | $1,644 | $1,389 |
Dauphin Island, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Dauphin Island, 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 | $5,078 |
| 20 Years | $2,011 |
| 30 Years | $1,549 |
| 40 Years | $1,490 |
| 50 Years | $1,380 |
| 60 Years | $1,399 |
| 70 Years | $1,629 |
Dauphin Island, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Dauphin Island, 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 | $2,723 | $407 |
| 3 Vehicles | $4,085 | $610 |
| 4 Vehicles | $5,446 | $814 |
Savings on 2 Vehicles bundle:$407
Savings on 3 Vehicles bundle:$610
Savings on 4 Vehicles bundle:$814
Dauphin Island, 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 Dauphin Island, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Dauphin Island | $1,565 | $2,775 |
| Bayou La Batre | $1,453 | $2,576 |
| Belle Fontaine | $1,433 | $2,541 |
| Grand Bay | $1,447 | $2,566 |
| Theodore | $1,449 | $2,569 |
Dauphin Island, 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) | $1,343 |
| Excellent (740-799) | $1,533 |
| Good (670-739) | $1,631 |
| Average (580-669) | $2,128 |
| Poor (300-579) | $2,553 |
Dauphin Island, 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 |
|---|---|---|---|
| Otto Brewer | State Farm | 6185 Three Notch Rd, Mobile, 36619-1735 | 251-660-9962 |
| Statewide Auto & Home | Travelers | 3221 SPRING HILL AVE, MOBILE, 36607 | 251-476-4400 |
| Craig F. Smith | Allstate | 1501 US Highway 98, Daphne, 36526 | (251) 626-2500 |
| Burkholder Insurance Inc | Liberty Mutual Independent | 115 University Blvd., Mobile, 36608 | None |
| Daniel Cottrell | Allstate | 5311 Cottage Hill Rd, Mobile, 36609 | (251) 661-9334 |
| Lisa Turrentine | State Farm | 12575b Highway 90, Grand Bay, 36541 | 251-865-4517 |
| Paul Munger | Allstate | 312 Schillinger Rd S Ste M, Mobile, 36608 | (901) 277-9215 |
| Hancock Insurance Agency Of Alabama | None | 25 W I65 Service Rd N, Mobile, 36608 | None |
| Stan Chavis | State Farm | 602 Bel Air Blvd, Mobile, 36606-3502 | 251-473-7150 |
| Franklin W Grimes Jr | Nationwide | 1111 E I65 Service Rd S STE 105, Mobile, 36606 | (251) 476-0614 |
| Brian Casey | State Farm | 2502 Schillinger Rd S Ste 13, Mobile, 36695-4123 | 251-634-4499 |
| Burben Sullins Jr | State Farm | 7268 Cottage Hill Rd, Mobile, 36695-2825 | 251-633-6402 |
Dauphin Island, 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 | +$69 | $1,634 |
| Driver's Failure In Showing Documents | +$152 | $1,717 |
| Driving With An Expired Registration | +$161 | $1,726 |
| Driving At A Considerably Slow Pace | +$340 | $1,905 |
| Using A Cellphone While Driving | +$358 | $1,923 |
| Running A Red Light | +$365 | $1,930 |
| Speeding | +$383 | $1,948 |
| Driving A Vehicle Without The Required Permission | +$487 | $2,052 |
| Driving With An Expired/Suspended License | +$1,055 | $2,620 |
Dauphin Island, 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 | $1,502 |
| Active Disabling Device | $1,502 |
| Tracking Device | $1,471 |
| Passive Disabling Device | $1,455 |