Demopolis, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Demopolis, 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.
How to Lower Your Car Insurance Rates in Demopolis, AL
The average cost of car insurance in Demopolis, AL, is $1,442. Car insurance is a necessary expense for drivers in Demopolis, AL, but it can also be a significant financial burden. The cost of car insurance varies depending on several factors, including your age, driving history, and the type of car you own. However, there are ways to lower car insurance rates and save money. This article will discuss some practical tips for reducing car insurance premiums in Demopolis, AL. Whether you are a new driver or a seasoned veteran, these strategies can help you get affordable car insurance without sacrificing necessary coverage. So, let's explore how to lower your car insurance rates in Demopolis, AL, and keep more money in your pocket.
Choose a High Deductible
The deductible refers to the amount you must pay before insurance coverage occurs. A higher deductible means paying more out of pocket before receiving benefits. However, this can also lead to lower insurance premiums. Choosing a high deductible can be wise for drivers looking to reduce their auto insurance costs, especially if they have a good driving history or own an older vehicle. It is important to ensure you have the funds available to cover the deductible in case of an accident. For instance, in Demopolis, Alabama, car owners who opt for a high deductible of $1,000 pay a premium of $879, whereas those who choose a lower deductible of $500 pay a premium of $1,040.
Maintain a High Credit Score
A good credit score is crucial to secure affordable car insurance rates in Demopolis, AL, and similar locations. Insurance providers frequently assess credit information to gauge the risk of insuring a driver. Individuals with high credit scores are usually deemed less risky and could be eligible for reduced insurance premiums. For example, in Demopolis, Alabama, drivers with exceptional credit scores are charged $1,237 for car insurance, while those with poor credit scores are charged $2,352. Therefore, maintaining a high credit score is essential for individuals seeking to reduce their car insurance costs.
Avoid Driving Under the Influence (DUI)
Being caught driving under the influence (DUI) in Demopolis, Alabama, can have severe consequences. These may include a hefty fine, imprisonment, and suspension of your driver's license. However, one of the most significant consequences is the increase in car insurance premiums. Insurance companies view DUI as a serious offence because it is considered a severe traffic violation that makes you a higher risk to insure. Expect your insurance premiums to increase by hundreds or even thousands of dollars if convicted of DUI. For example, the average auto insurance premium in Demopolis, Alabama, is $1,442. However, drivers with a history of DUI face a post-DUI premium of $2,557. Therefore, avoiding driving under the influence is essential to maintain affordable car insurance rates.
Factors that can influence the cost of car insurance in Demopolis, 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.
- Demopolis, AL Auto Insurance Rates
- Demopolis, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Demopolis, AL
- Multi Vehicle Insurance Savings in Demopolis, AL
- How Credit Score Affects Car Insurance Rates in Demopolis, AL
- How DUI Affects Auto Insurance Premiums in Demopolis, AL
- Top Auto Insurance Agents Near Demopolis, AL
- How Driving Violations Affect Auto Insurance Rates in Demopolis, AL
- Demopolis, AL Auto Insurance Discounts on Anti Theft Feature
Demopolis, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Demopolis, AL with that of other cities in and around Demopolis.
| Demopolis | Dayton | Belmont | Linden | Providence | Bellamy | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,442 | $1,964 | $1,998 | $1,396 | $1,796 | $1,372 |
Demopolis, 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 Demopolis, 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) |
|---|---|---|
| Demopolis | $1,040 | $879 |
| Belmont | $2,049 | $1,730 |
| Providence | $1,850 | $1,563 |
| Linden | $1,399 | $1,181 |
| Myrtlewood | $1,306 | $1,103 |
| Marengo County | $1,919 | $1,621 |
| Bellamy | $1,278 | $1,080 |
| Dayton | $2,023 | $1,709 |
Demopolis, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Demopolis, 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 | $4,679 |
| 20 Years | $1,853 |
| 30 Years | $1,427 |
| 40 Years | $1,373 |
| 50 Years | $1,272 |
| 60 Years | $1,289 |
| 70 Years | $1,501 |
Demopolis, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Demopolis, 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 | $2,538 | $346 |
| 3 Vehicles | $3,807 | $519 |
| 4 Vehicles | $5,076 | $692 |
Savings on 2 Vehicles bundle:$346
Savings on 3 Vehicles bundle:$519
Savings on 4 Vehicles bundle:$692
Demopolis, 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 Demopolis, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Demopolis | $1,442 | $2,557 |
| Belmont | $1,998 | $3,542 |
| Providence | $1,796 | $3,184 |
| Linden | $1,396 | $2,475 |
| Myrtlewood | $1,408 | $2,496 |
| Marengo County | $1,411 | $2,502 |
| Bellamy | $1,372 | $2,433 |
| Dayton | $1,964 | $3,482 |
Demopolis, 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) | $1,237 |
| Excellent (740-799) | $1,412 |
| Good (670-739) | $1,503 |
| Average (580-669) | $1,960 |
| Poor (300-579) | $2,352 |
Demopolis, 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 |
|---|---|---|---|
| Velma Carlton | Allstate | 112 S Main St, Linden, 36748 | (334) 295-1005 |
| A J Mccampbell | State Farm | 1327 Hwy 80 West, Demopolis, 36732 | 334-289-5664 |
| Kris Mullins | State Farm | 305 E Jefferson St, Demopolis, 36732-2255 | 334-289-2643 |
| Marengo Insurance Agency | Travelers | 107 W Washington, Demopolis, 36732 | None |
| Joe Moore | State Farm | 104 W Main Street, Livingston, 35470-0607 | 205-652-6736 |
Demopolis, 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 | $1,505 |
| Driver's Failure In Showing Documents | +$140 | $1,582 |
| Driving With An Expired Registration | +$149 | $1,591 |
| Driving At A Considerably Slow Pace | +$313 | $1,755 |
| Using A Cellphone While Driving | +$330 | $1,772 |
| Running A Red Light | +$336 | $1,778 |
| Speeding | +$353 | $1,795 |
| Driving A Vehicle Without The Required Permission | +$448 | $1,890 |
| Driving With An Expired/Suspended License | +$972 | $2,414 |
Demopolis, 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 | $1,384 |
| Active Disabling Device | $1,384 |
| Tracking Device | $1,355 |
| Passive Disabling Device | $1,341 |