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.
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 Rates
- DeKalb County, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in DeKalb County, AL
- Multi Vehicle Insurance Savings in DeKalb County, AL
- How Credit Score Affects Car Insurance Rates in DeKalb County, AL
- How DUI Affects Auto Insurance Premiums in DeKalb County, AL
- Top Auto Insurance Agents Near DeKalb County, AL
- How Driving Violations Affect Auto Insurance Rates in DeKalb County, AL
- DeKalb County, AL Auto Insurance Discounts on Anti Theft Feature
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 |