Decatur Auto Insurance Rates, Quotes, Agents & Reviews in AL

Decatur, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Decatur, 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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Factors that can influence the cost of car insurance in Decatur, 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.


Decatur, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Decatur, AL with that of other cities in and around Decatur.

Decatur Danville Trinity Mooresville Hillsboro Morris Chapel
Average Insurance Rates $1,385 $1,456 $1,488 $1,547 $1,430 $1,418

Decatur, 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 Decatur, 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)
Decatur $1,443 $1,219
Trinity $2,874 $2,427
Morris Chapel $1,314 $1,110
Priceville $1,676 $1,415
Hartselle $1,062 $897
Hillsboro $2,762 $2,333
Mooresville $1,357 $1,146
Danville $1,446 $1,221

Decatur, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Decatur, 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 $4,494
20 Years $1,780
30 Years $1,371
40 Years $1,319
50 Years $1,221
60 Years $1,238
70 Years $1,441

Decatur, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Decatur, 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 $2,410 $360
3 Vehicles $3,615 $540
4 Vehicles $4,820 $720

Savings on 2 Vehicles bundle:$360

Savings on 3 Vehicles bundle:$540

Savings on 4 Vehicles bundle:$720


Decatur, 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 Decatur, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Decatur $1,385 $2,456
Trinity $1,488 $2,638
Morris Chapel $1,418 $2,514
Priceville $1,513 $2,683
Hartselle $1,473 $2,612
Hillsboro $1,430 $2,535
Mooresville $1,547 $2,743
Danville $1,456 $2,582

Decatur, 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) $1,188
Excellent (740-799) $1,356
Good (670-739) $1,443
Average (580-669) $1,883
Poor (300-579) $2,259

Decatur, 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
Chris Humphries State Farm 1853 N Bethel Rd, Decatur, 35603-5420 256-351-4131
Judy Larson State Farm 2046 Beltline Rd SW Ste 2, Decatur, 35601-5549 256-350-7333
Blaine Mardis Allstate 2215 Danville Rd Sw Ste I, Decatur, 35601 (256) 353-1000
Knight Insurance Agency Inc Liberty Mutual Independent 815 BRADLEY ST SW, DECATUR, 35601 256-350-8139
Richard Mueller Allstate 2205 Graham Ave SW Ste C, Decatur, 35601 (256) 350-7800
King Insurance Agency Travelers 207 JOHNSTON ST SE STE 101, DECATUR, 35601 256-353-1460
Tennessee Valley Associates Llc Travelers 1902 FLINT RD SE, DECATUR, 35601 256-350-3276
Wayne Young State Farm 2614 Centron Drive SW, Decatur, 35603-2500 256-350-1032
Johnny Jackson Kilgro Jr Nationwide 439 Johnston St SE, Decatur, 35601 (256) 350-8241
Stovall Marks Insurance Inc Liberty Mutual Independent 2601 Danville Rd Sw, DECATUR, 35603 (256) 355-7951

Decatur, 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 +$61 $1,446
Driver's Failure In Showing Documents +$134 $1,519
Driving With An Expired Registration +$143 $1,528
Driving At A Considerably Slow Pace +$301 $1,686
Using A Cellphone While Driving +$317 $1,702
Running A Red Light +$323 $1,708
Speeding +$339 $1,724
Driving A Vehicle Without The Required Permission +$431 $1,816
Driving With An Expired/Suspended License +$933 $2,318

Decatur, 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 $1,330
Active Disabling Device $1,330
Tracking Device $1,302
Passive Disabling Device $1,288

Latest Auto Insurance Reviews in Decatur, AL | Back to Top

State Farm
It was very easy, I completed the application online and my broker called me to make sure I understood everything. They were very helpful and to the point.
Allstate
I have good experiences with my auto insurance. I have had a few claims with them, and their response to me and empathy during the process has been good and genuine.
State Farm
Very good service from the company. They respond well to claims and do pay out in timely manners. Agent individually isn't very responsive and just tries to upsell services, but actual underwriter is great.
Progressive
The company's representative are so active that once we call them for support they will reach us through phone or person at the earliest.
Allstate
What I really like about allstate is that they are a top notch company that in my opinion I am getting for bargain basement pricing
Geico
The premium from GEICO auto insurance is to be matched amongst the other higher rated insurance companies. For the price of just 50 bucks a month I am able to obtain liability insurance. Whereas at other insurance companies I may have paid twice as much.