Excel Auto Insurance Rates, Quotes, Agents & Reviews in AL

Excel, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Excel, 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.

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

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

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

Excel Frisco City Uriah Monroeville Megargel Repton
Average Insurance Rates $1,449 $1,430 $1,411 $1,428 $2,088 $1,383

Excel, 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 Excel, 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)
Excel $1,422 $1,201
Frisco City $1,941 $1,639
Megargel $2,151 $1,817
Monroeville $1,169 $987
Repton $1,885 $1,592
Monroe County $1,919 $1,621
Peterman $1,781 $1,504
Uriah $1,355 $1,145

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

Teenagers in Excel, 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

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

Car owners in Excel, 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 $2,521 $377
3 Vehicles $3,782 $565
4 Vehicles $5,043 $753

Savings on 2 Vehicles bundle:$377

Savings on 3 Vehicles bundle:$565

Savings on 4 Vehicles bundle:$753

Excel, 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 Excel, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Excel $1,449 $2,569
Frisco City $1,430 $2,535
Megargel $2,088 $3,702
Monroeville $1,428 $2,532
Repton $1,383 $2,452
Monroe County $1,411 $2,502
Peterman $1,366 $2,422
Uriah $1,411 $2,502

Excel, 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

Excel, 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
Tommy Jordan State Farm 3042 S Alabama Ave, Monroeville, 36460-5600 251-743-4045
Linc Lewis Allstate 4441 S Alabama Ave, Monroeville, 36460 (251) 575-5007
Mcdonald Ins Agy Allstate 626 S Alabama Ave, Monroeville, 36460 (251) 743-3251
Jason Young State Farm 605 Dolive St, Bay Minette, 36507-3123 251-937-5565
Garry W. Bulman Allstate 1802 Hand Ave, Bay Minette, 36507 (251) 937-3081
John Chason State Farm 412 Courthouse Sq, Bay Minette, 36507-4816 251-937-6913
Colquett Insurance Agency Travelers 19 N Mt Pleasant Ave, Monroeville, 36460 None
Dockery & Associates Inc Nationwide 108 North Hoyle Ave, Bay Minette, 36507 (251) 937-7513
White Agencies Inc None 430 Palafox Street, Flomaton, 36441 None

Excel, 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

Excel, 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