Duck Creek, IN Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Duck Creek, IN, 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.
Average cost of auto insurance in Duck Creek, IN
Zimlon, through its research, has explored multiple factors through which auto owners can avail numerous discounts on their car insurance premiums in Duck Creek, IN. The average cost of auto insurance in Duck Creek, IN, is $1,181. Many people buy car insurance with inadequate knowledge, and as a result, they end up paying high premiums. Therefore, it is essential to understand the nitty-gritty of car insurance.
a. Deductible
One way to save money on your car insurance is by opting for a high deductible. The deductible is the amount paid by the policyholder before the insurance provider will pay any expenses. A higher deductible leads to a reduction in the cost of car insurance. Therefore, auto owners in Duck Creek who opted for a high deductible of 1000 have to pay $1,061. In contrast, auto owners who opted for a low deductible of 500 have to pay $1,256.
b. Multi-car insurance
One simple way to reduce the premium on your Duck auto insurance rates is by insuring multiple vehicles with the same insurer. Here, automobile owners can obtain discounts on their car insurance. Zimlon's analysis proves that car owners with two-vehicle and three-vehicle bundles can save $307 and $461, respectively, on auto insurance rates. In Duck Creek, bundling four vehicles can save $614 on car insurance rates.
c. Driving violations
In Duck Creek, auto insurance rates tend to increase depending on the number of driving violations committed by the driver. Car insurance providers charge a higher premium to mitigate the risk as they predict their future driving by scrutinizing their past records. For instance, driving without headlights and failure in showing documents can increase your Duck auto insurance by $52 and $115, respectively.
Refer to the chart below to know the cost increase on driving violations.
d. Anti-theft feature
Cars equipped with anti-theft features like an audible alarm, active disabling devices, or tracking devices can get you a great deal on car insurance rates in Duck Creek. Nowadays, even the base models of vehicles are equipped with enhanced safety features. Insurance providers in Duck Creek offer exceptional discounts depending on the number and type of safety devices installed. For instance, cars provisioned with an audible alarm and tracking device will have to pay a premium of $1,134 and $1,110, respectively.
Factors that can influence the cost of car insurance in Duck Creek, IN 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.
- Duck Creek, IN Auto Insurance Rates
- Duck Creek, IN Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Duck Creek, IN
- Multi Vehicle Insurance Savings in Duck Creek, IN
- How Credit Score Affects Car Insurance Rates in Duck Creek, IN
- How DUI Affects Auto Insurance Premiums in Duck Creek, IN
- Top Auto Insurance Agents Near Duck Creek, IN
- How Driving Violations Affect Auto Insurance Rates in Duck Creek, IN
- Duck Creek, IN Auto Insurance Discounts on Anti Theft Feature
Duck Creek, IN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Duck Creek, IN with that of other cities in and around Duck Creek.
| Duck Creek | Pipe Creek | Wildcat | Elwood | Windfall City | Point Isabel | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,181 | $1,468 | $1,468 | $1,130 | $1,450 | $1,284 |
Duck Creek, IN 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 Duck Creek, IN 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) |
|---|---|---|
| Duck Creek | $1,256 | $1,061 |
| Elwood | $1,215 | $1,027 |
| Point Isabel | $1,245 | $1,052 |
| Wildcat | $1,302 | $1,100 |
| Pipe Creek | $1,423 | $1,202 |
| Orestes | $1,280 | $1,081 |
| Windfall City | $1,211 | $1,023 |
| Frankton | $1,918 | $1,620 |
Duck Creek, IN Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Duck Creek, IN 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 | $3,832 |
| 20 Years | $1,517 |
| 30 Years | $1,169 |
| 40 Years | $1,125 |
| 50 Years | $1,041 |
| 60 Years | $1,056 |
| 70 Years | $1,229 |
Duck Creek, IN Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Duck Creek, IN 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 | $2,055 | $307 |
| 3 Vehicles | $3,082 | $461 |
| 4 Vehicles | $4,110 | $614 |
Savings on 2 Vehicles bundle:$307
Savings on 3 Vehicles bundle:$461
Savings on 4 Vehicles bundle:$614
Duck Creek, IN 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 Duck Creek, IN.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Duck Creek | $1,181 | $1,827 |
| Elwood | $1,130 | $1,748 |
| Point Isabel | $1,284 | $1,987 |
| Wildcat | $1,468 | $2,271 |
| Pipe Creek | $1,468 | $2,271 |
| Orestes | $1,122 | $1,736 |
| Windfall City | $1,450 | $2,244 |
| Frankton | $1,482 | $2,293 |
Duck Creek, IN 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) | $1,013 |
| Excellent (740-799) | $1,157 |
| Good (670-739) | $1,231 |
| Average (580-669) | $1,606 |
| Poor (300-579) | $1,926 |
Duck Creek, IN 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 |
|---|---|---|---|
| Penwell Insurance | Erie | 30 S Peru Street, Cicero, 46034 | None |
| Lindsey Cuneo | State Farm | 110 E Church St, Alexandria, 46001-2006 | 765-705-4154 |
| Star Insurance Agency - Kokomo | None | 1708 E Markland, Kokomo, 46901 | None |
| Penwell Insurance Llc | Erie | 116 S Main Street Suite B, Tipton, 46072 | None |
| Chuck Zink | State Farm | 517 N Anderson St Ste 4, Elwood, 46036-1225 | 765-552-9508 |
| Matt Beauchamp | Farmers | 1555 W Oak St Ste 100, Zionsville, 46077 | (317) 973-0552 |
| Summit Insurance Agency Inc | Liberty Mutual Independent | 9302 N MERIDIAN ST STE 297, INDIANAPOLIS, 46260 | (317) 844-4701 |
| Regions Insurance Inc | Liberty Mutual Independent | 2701 ALBRIGHT RD, KOKOMO, 46902 | 317-846-2558 |
| Luxor Insurance Group | Travelers | 14074 TRADE CENTER DRIVE SUITE 104, FISHERS, 46038 | 317-774-7740 |
| Performance Insurance Services | Travelers | 11611 N MERIDIAN ST SUITE 600, CARMEL, 46032 | 800-965-5580 |
Duck Creek, IN 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 | +$52 | $1,233 |
| Driver's Failure In Showing Documents | +$115 | $1,296 |
| Driving With An Expired Registration | +$122 | $1,303 |
| Driving At A Considerably Slow Pace | +$256 | $1,437 |
| Using A Cellphone While Driving | +$270 | $1,451 |
| Running A Red Light | +$275 | $1,456 |
| Speeding | +$289 | $1,470 |
| Driving A Vehicle Without The Required Permission | +$367 | $1,548 |
| Driving With An Expired/Suspended License | +$796 | $1,977 |
Duck Creek, IN 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 | $1,134 |
| Active Disabling Device | $1,134 |
| Tracking Device | $1,110 |
| Passive Disabling Device | $1,098 |