Dodge City Auto Insurance Rates, Quotes, Agents & Reviews in AL

Dodge City, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Dodge City, 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.

Compare Quotes from Top Providers and Save now!

Dodge City, AL: A Practical Guide to Understanding Car Insurance Rates

Car insurance, a pivotal aspect of vehicle ownership, seamlessly intertwines financial prudence with adherence to legal mandates. In Dodge City, AL, the dynamics of car insurance rates weave through a multitude of factors, from individual driving history to localized risk parameters. Let’s explore, analyze, and understand the car insurance scenario in this city, emphasizing competitors, quotes, rates, agents, and influential factors.

Competitive Landscape: A Glimpse at Major Players and Their Offerings

  • State Farm

           Pricing: Estimated annual premiums of $1,150 - $1,600.

           USP: Renowned for its extensive coverage options and stellar customer support.

  • Geico

           Pricing: Approximate premiums range from $1,100 to $1,550 annually.

           USP: Acknowledged for affordable offerings and a user-friendly online platform.

  • Allstate

           Pricing: Annual premium estimations oscillate between $1,200 and $1,700.

           USP: Distinguished by a wide array of policy options and incentivized loyalty programs.

  • Progressive

           Pricing: Anticipated annual premiums span from $1,180 to $1,640.

           USP: Notable for its customizable policies and a dominant digital presence.

Dissecting the Core: Quotes, Rates & Agents

  • Quotes: Initial financial estimates provided by insurance companies, quotes integrate diverse variables, offering a tentative pricing model tailored to individual profiles.
  • Rates: Emblematic of the insurer’s pricing paradigm, rates provide a generalized cost expectation, indicative of the prevalent pricing within a specified demographic or area.
  • Agents: Agents act as critical connectors between insurers and customers, simplifying policy acquisition, management, and claims processing through guidance and support.

Influential Factors: Deciphering the Impact on Dodge City’s Insurance Rates

  • Demographics: The age, occupational, and driving background distribution of the population influences collective risk and subsequent premium pricing.
  • Local Criminal Activity: Elevated instances of vehicle-related crimes, like theft or vandalism, can inflate area-specific insurance costs.
  • Environmental Variables: Geographical susceptibilities, such as weather extremities or challenging driving terrains, directly impact risk and, thus, rate assessments.
  • Traffic Congestion: Areas grappling with high vehicular traffic or accident susceptibilities witness a surge in insurance rate cardinals.
  • Economic Indicators: Fluctuations in local economic stability, employment levels, and median income spectrums also influence insurance affordability and premiums.
  • Regulatory Framework: State and local laws, encompassing insurance requisites, claims procedures, and other legal frameworks, shape the insurance pricing models.

Comprehending the multifaceted nature of car insurance rates in Dodge City, AL, empowers residents to tactically navigate through the available offerings, ensuring selections that are congruent with their protective needs and financial capacities. A thorough understanding of prevalent rates, competitive offerings, and influential factors guarantees not just legal compliance but also prudent fiscal and asset safeguarding amidst the unpredictable realms of vehicular usage.

Factors that can influence the cost of car insurance in Dodge City, 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.

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

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

Dodge City Colony Cullman Cullman County Bremen Hanceville
Average Insurance Rates $1,449 $1,412 $1,463 $1,449 $1,480 $1,415

Dodge City, 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 Dodge City, 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)
Dodge City $1,721 $1,454
Good Hope $1,312 $1,108
Hanceville $1,685 $1,423
Cullman County $1,441 $1,217
Bremen $1,016 $858
Colony $1,350 $1,141
Garden City $1,582 $1,336
Cullman $2,825 $2,386

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

Teenagers in Dodge City, 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 $4,702
20 Years $1,862
30 Years $1,434
40 Years $1,380
50 Years $1,278
60 Years $1,295
70 Years $1,508

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

Car owners in Dodge City, 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 $2,463 $435
3 Vehicles $3,695 $652
4 Vehicles $4,927 $869

Savings on 2 Vehicles bundle:$435

Savings on 3 Vehicles bundle:$652

Savings on 4 Vehicles bundle:$869

Dodge City, 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 Dodge City, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Dodge City $1,449 $2,569
Good Hope $1,416 $2,511
Hanceville $1,415 $2,509
Cullman County $1,449 $2,569
Bremen $1,480 $2,624
Colony $1,412 $2,504
Garden City $1,399 $2,480
Cullman $1,463 $2,594

Dodge City, 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) $1,243
Excellent (740-799) $1,419
Good (670-739) $1,510
Average (580-669) $1,970
Poor (300-579) $2,363

Dodge City, 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
Gerald Trevarthen Farmers 909a Graham St SW, Cullman, 35055 (256) 297-2280
Virgil B Fowler Insurance Agency Travelers 806 2ND AVE SW, CULLMAN, 35055 256-734-3821
Tonya Williams Farmers 903 County Road 437, Cullman, 35055 (256) 736-2636
Tonya Wilson State Farm 1624 1st Ave SW, Cullman, 35055-5384 256-739-1360
Lesley Hyde State Farm 307 2nd Ave NW Spc 11, Cullman, 35055-2822 256-734-8906
Wendy Burpee State Farm 8097 Madison Blvd Ste 104, Madison, 35758-2043 256-774-8118
Shirley Quattlebaum State Farm 905 2nd Ave SW, Cullman, 35055-4224 256-255-1515
Alabama Insurance Management Services, Inc. None 141 London Parkway, Birmingham, 35211 None
Ken Taylor State Farm 160 Inverness Corners, Birmingham, 35242-3760 205-980-8889

Dodge City, 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 +$64 $1,513
Driver's Failure In Showing Documents +$141 $1,590
Driving With An Expired Registration +$149 $1,598
Driving At A Considerably Slow Pace +$314 $1,763
Using A Cellphone While Driving +$332 $1,781
Running A Red Light +$338 $1,787
Speeding +$355 $1,804
Driving A Vehicle Without The Required Permission +$451 $1,900
Driving With An Expired/Suspended License +$977 $2,426

Dodge City, 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 $1,391
Active Disabling Device $1,391
Tracking Device $1,362
Passive Disabling Device $1,348