Dora, AL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Dora, 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.
Examining Car Insurance Rates in Dora, AL: What You Need to Know
Navigating through the convoluted world of car insurance can be a perplexing endeavor, especially given the myriad of factors influencing rates and the diverse range of options available. In Dora, AL, residents encounter a specific set of circumstances and providers when it comes to selecting car insurance. In this article, we delve into the critical aspects of understanding and choosing car insurance in Dora, including exploring top competitors, interpreting quotes and rates, and comprehending the role of insurance agents.
Spotlight on Competitors: Unraveling Offerings and Prices
- State Farm
Pricing: Estimated between $1,100 and $1,600 annually.
Offerings: Comprehensive coverage options coupled with localized agent support.
- Allstate
Pricing: Approximately $1,200 - $1,700 per year.
Offerings: A plethora of customizable policies and dedicated agent assistance.
- Geico
Pricing: Roughly $1,050 - $1,500 annually.
Offerings: Extensive online tools and competitively priced policies.
- Progressive
Pricing: Anticipated to be between $1,180 and $1,650 per year.
Offerings: Versatile policies and substantial online resources.
Digging Into Quotes, Rates & Agents
- Quotes: Personalized preliminary price estimates provided by insurers, quotes embody various factors, from personal driving history to vehicle type, providing a rough approximation of expected insurance costs.
- Rates: The established cost of insurance premiums within a locale or demographic, rates offer a general indication of the prevailing market price for insurance policies.
- Agents: Agents bridge the gap between insurers and consumers, offering critical advice, facilitating policy management, and simplifying the claims process.
Influencers: Identifying Factors that Shape Insurance Rates in Dora
- Geographical Location: The physical location, encompassing elements like weather conditions, terrain, and traffic patterns, plays a pivotal role in determining insurance rates.
- Crime Rate: Areas with elevated levels of auto-theft or vandalism typically experience higher insurance premiums.
- Demographics: The collective age, driving experience, and historical claims data of the resident population significantly impact insurance rate determinations.
- Vehicle Types: The make, model, and age of vehicles predominant in an area influence aggregate risk and thus insurance pricing.
- Local Legislation: State and local laws, including minimum insurance requirements and claims protocols, contribute to shaping insurance premiums.
- Economic Landscape: Economic indicators such as median incomes, unemployment rates, and general economic stability are also pivotal in rate setting.
In Dora, AL, comprehending the intricacies of car insurance involves a meticulous exploration of available offerings, an understanding of rate influencers, and judicious selection of agents and policies. Knowledge of the factors at play, coupled with a meticulous examination of personal needs and offerings available, equips consumers to make well-informed insurance decisions. This analysis thus serves to elucidate the multifaceted domain of car insurance in Dora, enabling residents to secure policies that align optimally with their protective needs and financial capacities, ensuring secure and legally compliant travels on the road.
Factors that can influence the cost of car insurance in Dora, 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.
- Dora, AL Auto Insurance Rates
- Dora, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Dora, AL
- Multi Vehicle Insurance Savings in Dora, AL
- How Credit Score Affects Car Insurance Rates in Dora, AL
- How DUI Affects Auto Insurance Premiums in Dora, AL
- Top Auto Insurance Agents Near Dora, AL
- How Driving Violations Affect Auto Insurance Rates in Dora, AL
- Dora, AL Auto Insurance Discounts on Anti Theft Feature
Dora, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Dora, AL with that of other cities in and around Dora.
| Dora | Quinton-Wegra | Sumiton | Robbins Crossroads | Empire | Graysville | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,414 | $1,391 | $1,460 | $1,441 | $1,386 | $1,405 |
Dora, 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 Dora, 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) |
|---|---|---|
| Dora | $1,311 | $1,108 |
| Sumiton | $1,053 | $889 |
| Robbins Crossroads | $2,154 | $1,819 |
| Cordova | $2,101 | $1,775 |
| Empire | $1,912 | $1,615 |
| Quinton-Wegra | $1,244 | $1,051 |
| Graysville | $1,520 | $1,284 |
| Parrish | $1,417 | $1,197 |
Dora, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Dora, 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 | $4,588 |
| 20 Years | $1,817 |
| 30 Years | $1,399 |
| 40 Years | $1,346 |
| 50 Years | $1,247 |
| 60 Years | $1,264 |
| 70 Years | $1,472 |
Dora, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Dora, 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 | $2,489 | $339 |
| 3 Vehicles | $3,733 | $509 |
| 4 Vehicles | $4,977 | $679 |
Savings on 2 Vehicles bundle:$339
Savings on 3 Vehicles bundle:$509
Savings on 4 Vehicles bundle:$679
Dora, 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 Dora, AL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Dora | $1,414 | $2,507 |
| Sumiton | $1,460 | $2,589 |
| Robbins Crossroads | $1,441 | $2,555 |
| Cordova | $1,395 | $2,473 |
| Empire | $1,386 | $2,457 |
| Quinton-Wegra | $1,391 | $2,466 |
| Graysville | $1,405 | $2,491 |
| Parrish | $1,388 | $2,461 |
Dora, 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) | $1,213 |
| Excellent (740-799) | $1,385 |
| Good (670-739) | $1,473 |
| Average (580-669) | $1,922 |
| Poor (300-579) | $2,306 |
Dora, 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 |
|---|---|---|---|
| Ashley Caudle | State Farm | 1326 Main St Ste 112, Gardendale, 35071-2471 | 205-631-0737 |
| Anthony Christian | State Farm | 4505 Highway 78 E Ste 50, Jasper, 35501-8883 | 205-295-9600 |
| The Edwards Agency Inc | Travelers | 1125 MAIN STREET, SUMITON, 35148 | 205-648-2830 |
| Sheridan Hill | Farmers | 1329 Forestdale Blvd Ste 306, Birmingham, 35214 | (205) 791-6625 |
| Edwards Agency | Allstate | PO Box 190, Sumiton, 35148 | (205) 648-2830 |
| Chad Christian | Allstate | 206 Bowling Ln, Pelham, 35124 | (205) 444-0431 |
| Chester Lewis | State Farm | 16641 Highway 280 Ste 300, Chelsea, 35043-8354 | 205-678-0200 |
| Jeffery Rasbury | Farmers | 1420 Northbrook Dr Ste 101, Gardendale, 35071 | (205) 631-2050 |
| Rene Burke | State Farm | 4851 Cahaba River Road, Birmingham, 35243-2359 | 205-967-6886 |
Dora, 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 | +$62 | $1,476 |
| Driver's Failure In Showing Documents | +$137 | $1,551 |
| Driving With An Expired Registration | +$146 | $1,560 |
| Driving At A Considerably Slow Pace | +$307 | $1,721 |
| Using A Cellphone While Driving | +$324 | $1,738 |
| Running A Red Light | +$329 | $1,743 |
| Speeding | +$346 | $1,760 |
| Driving A Vehicle Without The Required Permission | +$440 | $1,854 |
| Driving With An Expired/Suspended License | +$953 | $2,367 |
Dora, 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 | $1,357 |
| Active Disabling Device | $1,357 |
| Tracking Device | $1,329 |
| Passive Disabling Device | $1,315 |