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

DeKalb County, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in DeKalb 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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Decoding Car Insurance Rates in DeKalb County, AL

Embarking on the labyrinthine journey of understanding car insurance rates, it is imperative to delve into varied aspects that stitch together the insurance tapestry of DeKalb County, AL. From a meticulous examination of the rates offered by industry titans to a thorough analysis of quotes, rates, and agents, this exploration will aim to unravel the complexities entwined in the local car insurance scenario.

Key Competitors and Their Pricing Strategies

In a rapidly evolving insurance market, let’s dissect the offerings of a few leading competitors in DeKalb County, with a note that these are illustrative and subject to fluctuation based on a multiplicity of factors.

  • State Farm: A juggernaut in the insurance arena, State Farm tends to position its annual rates between $1,200 and $1,500.
  • Allstate: With a diverse array of offerings, Allstate’s yearly premiums usually oscillate between $1,180 and $1,450.
  • Geico: Acclaimed for its affordability, Geico’s rates generally range from $1,100 to $1,400 annually.
  • Progressive: Appreciated for its versatility, Progressive’s annual rates hover between $1,150 and $1,420.

Deciphering Quotes, Rates, & Agents

  • Quotes: Insurance quotes, which provide an estimated cost of your potential premium, hinge heavily on a variety of factors, including vehicle details, personal information, and past driving history.
  • Rates: The rates are average cost indicators that provide consumers with a general gauge of the likely insurance expenses in a specific region.
  • Agents: Insurance agents pave the way for a seamless insurance journey, assisting in demystifying policy nuances and aligning policy details with consumer needs.

Influential Factors Driving Insurance Rates in DeKalb County

  • Demographic Aspects: The age, gender, and marital status of drivers in DeKalb County invariably impact insurance premiums.
  • Vehicle Characteristics: Premiums also consider the type, make, and safety features of your vehicle.
  • Geographical and Environmental Elements: The area's crime rates, susceptibility to natural calamities, and driving conditions are pivotal in steering the insurance rates.
  • Driving History: A clean driving slate generally correlates with lower premiums, while a history marred by accidents or violations often escalates rates.
  • Policy Details: The scope of your coverage and the deductible amount chosen are directly proportional to the resultant premium.
  • Local Legal Framework: State and local regulations, particularly those pertaining to minimum insurance requisites, shape the foundational structure of insurance rates.

Understanding car insurance rates in DeKalb County is an intricate endeavor, intertwined with various local and personal factors. By dissecting the offerings of predominant players, comprehending the mechanisms of quotes, rates, and agents, and recognizing the underlying factors influencing the rates, consumers can carve out a pathway to an insurance policy that is both economical and adequately protective. This nuanced understanding can profoundly augment the decision-making processes of local residents and potential newcomers in shaping their insurance portfolios.

Factors that can influence the cost of car insurance in DeKalb 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.

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

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

DeKalb County Rainsville Sylvania Fort Payne Shiloh Pine Ridge
Average Insurance Rates $1,428 $1,443 $1,426 $1,443 $1,414 $1,405

DeKalb 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 DeKalb 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)
DeKalb County $1,426 $1,204
Pine Ridge $1,447 $1,222
Rainsville $1,251 $1,057
Rainsville-Sylvania $1,634 $1,380
Shiloh $1,440 $1,216
Fort Payne $1,494 $1,262
Sylvania $1,691 $1,429
Powell $1,458 $1,232

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

Teenagers in DeKalb 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 $4,634
20 Years $1,835
30 Years $1,413
40 Years $1,360
50 Years $1,259
60 Years $1,277
70 Years $1,486

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

Car owners in DeKalb 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 $2,513 $343
3 Vehicles $3,770 $514
4 Vehicles $5,027 $685

Savings on 2 Vehicles bundle:$343

Savings on 3 Vehicles bundle:$514

Savings on 4 Vehicles bundle:$685

DeKalb 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 DeKalb County, AL.

Location Average Insurance Cost Post DUI Insurance Rate
DeKalb County $1,428 $2,532
Pine Ridge $1,405 $2,491
Rainsville $1,443 $2,558
Rainsville-Sylvania $1,437 $2,548
Shiloh $1,414 $2,507
Fort Payne $1,443 $2,558
Sylvania $1,426 $2,528
Powell $1,406 $2,493

DeKalb 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) $1,225
Excellent (740-799) $1,399
Good (670-739) $1,488
Average (580-669) $1,941
Poor (300-579) $2,329

DeKalb 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
Cody Coffey Allstate 1000 Gault Ave S Ste A, Fort Payne, 35967 (256) 845-3637
Barry Adams Farmers 111 3rd St SE, Fort Payne, 35967 (256) 844-4966
Newsome Insurance Agency, Llc None 183 Mccurdy Ave, Rainsville, 35986 None
Chris Davis Agency Llc Nationwide 2121 Gault Ave N, Fort Payne, 35967 (256) 845-5116
David Presley State Farm 250 Governors Dr SE Ste A, Huntsville, 35801-2710 256-536-3332
Community Insurance Llc Travelers 100 CHURCH ST STE 600, HUNTSVILLE, 35801 256-533-5600
Grimwood Insurance Agency, Inc None 711 Arcadia Circle Nw, Huntsville, 35801 None

DeKalb 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 +$63 $1,491
Driver's Failure In Showing Documents +$139 $1,567
Driving With An Expired Registration +$147 $1,575
Driving At A Considerably Slow Pace +$310 $1,738
Using A Cellphone While Driving +$327 $1,755
Running A Red Light +$333 $1,761
Speeding +$350 $1,778
Driving A Vehicle Without The Required Permission +$444 $1,872
Driving With An Expired/Suspended License +$962 $2,390

DeKalb 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 $1,371
Active Disabling Device $1,371
Tracking Device $1,342
Passive Disabling Device $1,328