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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Car insurance premiums in Decatur County, Alabama, are the lowest for senior, married drivers

Zimlon’s recent analysis of car insurance prices in Decatur County, Alabama, showed that the cheapest premiums ($409) are paid by 62-year-old married men driving 2012 Ford F-250 super duty crew cabs. On the other hand, the most expensive premiums in the county are paid by 18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows. Zimlon retrieved the data for this analysis from the Maryland Insurance Administration.


Every car insurance policy includes coverage limits and deductible amounts, which reflect on the premium prices: “I have comprehensive insurance for the car which I currently have financed. I have the minimum levels for coverage required by my state”: was the feedback from one of the consumers in the Zimlon survey. The bodily injury per person, bodily injury per accident, and property damage limits chosen for this study are set at $25,000, $50,000, and $25,000 respectively. The medical payment limit is $1,000, and the collision deductible is $500.

Allstate Property and Casualty Insurance offer the cheapest premium of $409 for senior male drivers, as mentioned above. The second-cheapest premium is offered by Encompass Indemnity Company, at $616, to 30-year-old married men driving 2012 Fords. The third cheapest premium is offered by Allstate, priced at $642, is for 25-year-old single men driving 2010 Chevy Silverado 1500 extended cabs.

The most expensive premium of $9,523 is paid by 18-year-old women who drive 2010 Chevy Silverado cabs and have purchased their insurance from Amica Mutual Insurance Company. The second-most expensive premium is again offered by Amica Mutual Insurance, at $9,192, for women of the same age group but driving a different car: 2010 Toyota Camry LE four-door sedans.

The category of 18-year-old women driving 2010 Chevy Silverado cabs can make the biggest saves in Decatur County by investing in the right company. The difference between the 75th and 25th percentile of insurance premiums for them is $1,353 (60%).

The following graph compares premium rates across customer cohorts in Decatur, Alabama.

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The following table compares car insurance premiums for key cohorts in Decatur County, Alabama and the difference between the 75th and 25th percentile in premium rates.

Cohort Cheapest car insurance companies in Decatur County, AL Most expensive car insurance companies in Decatur County,AL Median car insurance companies in Decatur County,AL 25th percentile of car insurance premiums in Decatur County,AL 75th percentile of car insurance premiums in Decatur County,AL Dollar difference between 25th and 75th percentiles Percentage difference between 25th and 75th percentiles
48-year-old single men driving 2012 Chevy Tahoe LS cars Progressive Direct Insurance Company ($671) Amica Mutual Ins Company ($4566) Safeco Insurance Company of Illinois ($1113) National General Insurance Online, Inc. ($938) Mid Century Ins Co ($1478) $540 57.57%
18-year-old single women driving 2010 Chevy Silverado 1500 extended cabs with two windows United Services Automobile Association ($1357) Amica Mutual Ins Company ($9523) Meridian Security Insurance Company ($2662) Nationwide General Ins Co ($2255) Integon General Ins Corporation ($3608) $1353 60.0%
25-year-old single women driving 2010 Toyota Camry LE four-door sedans Allstate Property And Casualty Insurance Company ($745) Amica Mutual Ins Company ($3432) Nationwide Mutual Fire Ins Company ($1211) Integon National Insurance Company ($1072) USAA General Indemnity Co ($1511) $439 40.95%
18-year-old single women driving 2010 Toyota Camry LE four-door sedans United Services Automobile Association ($1184) Amica Mutual Ins Company ($9192) Victoria Fire & Casualty Co ($2391) Victoria Fire & Casualty Co ($2007) State Farm Fire & Casualty Company ($2890) $883 44.0%
62-year-old married men driving 2012 Ford F-250 super duty crew cabs Allstate Property and Casualty Insurance Company ($409) Amica Mutual Ins Company ($3487) Garrison Property and Casualty Insurance Company ($724) Progressive Specialty Ins Company ($564) Victoria Select Insurance Co ($1336) $772 136.88%
30-year-old married men driving 2012 Ford F-250 super duty crew cabs Encompass Indemnity Company ($616) Amica Mutual Ins Company ($5630) Nationwide Mutual Fire Ins Company ($1077) Country Mutual ($917) Guideone Elite Insurance Company ($1733) $816 88.99%
25-year-old single men driving 2010 Chevy Silverado 1500 extended cabs with two windows Allstate Property and Casualty Insurance Company ($642) Amica Mutual Ins Company ($2986) State Farm Mutual Automobile Ins Company ($1243) Access Insurance Company ($1052) National General Insurance Online, Inc. ($1428) $376 35.74%

Auto Insurance Rates in Decatur, AL

The average cost of car insurance in Decatur, AL is $1385 per year. Zimlon’s research found that these prices can be even more affordable with the help of discounts and other factors like driver's age, credit score and deductible. These are explored below by Zimlon to know what options for finding cheap auto insurance rates really are.

The article is about how some people might find cheaper premiums just based on their requirements such as a higher deductible or age.

Based on deductibles

To save some money on car insurance, consider going with a low deductible for more savings. Car owners in Decatur, AL can get super cheap auto insurance by considering this factor and choosing the right deductibles according to Zimlon's research. Decatur car owners can get cheap car insurance by considering their deductible. Those who choose a low deductible ($500) usually pay more for auto coverage than those with high deductibles ($1,000). According to Zimlon's research on the topic in Decatur this difference is  $1443 and $1219 respectively.

Auto Insurance Cost in Decatur Based on deductibles in nearby cities

auto_insurance_rates_in_decatur_al

Multi Car Insurance Rates

Decatur car owners looking to save on their auto insurance should consider bundling with other types of coverage. For instance life and home can provide a fair discount per month when purchased together from the same company. An analysis by Zimlon found that Decatur car owners who bundled more than one type of insurance could see a monthly decrease in premiums as they insured both vehicles under the same policy. In Decatur , insurance companies provide $360 and $540 off on 2 vehicle bundle and 3 vehicles bundle respectively. One can save $720 on auto insurance by bundling 4 vehicles in Decatur.

Based on the credit score

In most of the states credit score is a major rating factor. Car owners  with low credit not only file more claims than car owners with high credit but also their claims seem to be more expensive. Auto insurance companies also provide attractive discounts to car owners with a higher positive credit score and a clean driving history.According to Zimlon’s analysis in Decatur car owners with a good credit score with 800 or more pay only upto $1188 for insurance whereas those who are low on the totem pole may end up paying considerably more at $2259.

Based on age of the car owner 

Teenagers and young residents of Decatur  pay more in car insurance costs since they are considered to be less responsible behind the wheel than older drivers. The average cost for a teenage driver in Decatur is $4494  while 30-50 year olds can expect to find cheaper rates at less than $1371-$1221 annually. Drivers looking for discounts on their premiums should consider comparing age based policies which offer good student discounts or safe driver/defensive driving incentives that may be available depending upon your needs as well as other factors such as marital status.

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.