Duluth Auto Insurance Rates, Quotes, Agents & Reviews in GA

Duluth, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Duluth, GA, 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.

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Things that can Affect Car Insurance Costs in Alamo, GA

As a driver in Alamo, GA, you are required to have car insurance. Car insurance provides financial protection in the event of an accident or other vehicle-related damages. It can help cover repairs to your vehicle, medical expenses and property damage. In some cases, car insurance can also protect against theft or vandalism. No matter what coverage you choose, car insurance can provide peace of mind and financial protection in case of an accident or other vehicle-related damages.

In Alamo, GA, the average cost of car insurance is $1,532. Your location, the kind of car you drive, and the coverage level are just a few factors that might affect the cost of your Alamo, Georgia, auto insurance. Automobile owners should avoid picking an insurance company at random. Car owners must look for cheap car insurance in Alamo, contrast the prices and discounts on offer from various providers, and proceed if the policy is appropriate for their vehicle. Here are a few factors influencing Alamo, Georgia's vehicle insurance prices.

Credit History

It's no secret that your credit history can affect your ability to get a loan, but did you know that it can also affect your car insurance rates? In Alamo, GA, insurers use your credit history as one of the factors they use to determine your premium. A good credit history means you're more likely to pay your bills on time, and insurers view that as a sign that you're less likely to file a claim. On the other hand, poor credit history can indicate that you're more likely to file a claim, which can lead to a higher premium. For instance, in Alamo, Georgia, car owners with excellent credit scores must pay $1,314, while those with poor or inadequate credit must pay $2,499. As a result, automobile owners in Alamo, GA, who wish to save money on their auto insurance premiums must keep a good credit score.

Age of the Driver

Car insurance companies in Alamo, GA, use the driver's age to help determine how much to charge for car insurance. The younger the driver, the higher the rates. This is because younger drivers are more likely to be involved in accidents. As drivers get older, they become more experienced and less likely to be involved in accidents. This is why car insurance rates usually go down as drivers get older. For example, teenagers in Alamo, GA, pay $4,971 for car insurance, whereas older drivers in Alamo, GA, who are 40 years old, pay $1,459.

Driving history

It is no secret that car insurance companies use a driver’s history to help determine rates. In Alamo, GA, this is no different. Insurance companies will look at a driver’s past to help predict future behavior. This is why a driver with a clean history will typically pay less for car insurance than a driver with a history of accidents or traffic violations. For drivers who run red lights or drive with expired/suspended licenses, the overall cost of auto insurance in Alamo, Georgia, will rise by +$357 and +$1,033, respectively.

Factors that can influence the cost of car insurance in Duluth, GA 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.

Duluth, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Duluth, GA with that of other cities in and around Duluth.

Duluth Norcross Big Creek Suwanee Gwinnett County Johns Creek
Average Insurance Rates $1,690 $1,661 $1,859 $1,767 $1,675 $1,864

Duluth, GA 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 Duluth, GA 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)
Duluth $1,465 $1,237
Berkeley Lake $2,394 $2,022
Suwanee-Duluth $1,343 $1,134
Johns Creek $2,467 $2,084
Norcross $977 $826
Suwanee $1,094 $924
Big Creek $1,351 $1,141
Gwinnett County $1,497 $1,264

Duluth, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Duluth, GA 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 $5,484
20 Years $2,171
30 Years $1,673
40 Years $1,609
50 Years $1,490
60 Years $1,511
70 Years $1,759

Duluth, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Duluth, GA 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 $2,974 $406
3 Vehicles $4,462 $608
4 Vehicles $5,949 $811

Savings on 2 Vehicles bundle:$406

Savings on 3 Vehicles bundle:$608

Savings on 4 Vehicles bundle:$811

Duluth, GA 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 Duluth, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Duluth $1,690 $3,089
Berkeley Lake $1,875 $3,428
Suwanee-Duluth $1,736 $3,174
Johns Creek $1,864 $3,408
Norcross $1,661 $3,036
Suwanee $1,767 $3,230
Big Creek $1,859 $3,398
Gwinnett County $1,675 $3,062

Duluth, GA 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) $1,450
Excellent (740-799) $1,655
Good (670-739) $1,761
Average (580-669) $2,297
Poor (300-579) $2,757

Duluth, GA 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 +$74 $1,764
Driver's Failure In Showing Documents +$164 $1,854
Driving With An Expired Registration +$174 $1,864
Driving At A Considerably Slow Pace +$367 $2,057
Using A Cellphone While Driving +$387 $2,077
Running A Red Light +$394 $2,084
Speeding +$414 $2,104
Driving A Vehicle Without The Required Permission +$526 $2,216
Driving With An Expired/Suspended License +$1,139 $2,829

Duluth, GA 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 $1,622
Active Disabling Device $1,622
Tracking Device $1,589
Passive Disabling Device $1,572