Hartville, MO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hartville, MO, 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 Car Insurance in Hartville
The average cost of car insurance in Hartville, CO, is $1,380. If you're looking for cheap auto insurance in Hartville, MO, getting multiple quotes is the best way to get a lower rate. Auto insurance quotes may vary from individual to individual and from one city to another.
Many factors affect your auto insurance rates, including your driving record, ZIP code, location of residence, and many more. Therefore, car owners must keep in mind that there are many types of drivers on the road. For example, low-income drivers living on high-crime streets will pay more for auto insurance in Hartville, MO, even if they have a clean driving record because they reside in a high-crime area.
a. Car insurance rates based on the driver's age in Hartville, MO
Car insurance is designed to protect the driver, passengers, and other road users in the event of an accident. As such, it's a legal requirement if you want to drive your car on public roads. Due to this, insurance providers consider teenagers and young drivers as high-risk drivers and charge high auto insurance rates in Hartville, MO. For instance, teenagers pay $4,478 on auto insurance in Hartville, MO. At the same time, drivers aged 40 years pay $1,314 on car insurance in Hartville, MO.
b. Car insurance rates Post-DUI in Hartville, MO
Being charged and convicted with a DUI in Hartville can lead to severe consequences, including jail and hefty fines. For instance, if you are caught driving under the influence of alcohol or drugs and have a Blood Alcohol Content (BAC) level higher than 0.08 percent, you will be charged with a DUI. This will also result in increased auto insurance rates in Hartville, MO. The average cost of car insurance in Hartville is currently $1,380 — Post-DUI, car insurance rates increase by $1,968.
c. Car insurance rates based on credit history in Hartville, MO
Your credit report is one of the most important factors determining the auto insurance rate in Hartville, MO. Insurers will look at your credit history to understand the risk a car owner poses to the company. Few studies demonstrated a correlation between poor credit and more claims, i.e., car owners with low credit scores are more likely to file a claim when compared to car owners with high credit scores. As a result, drivers with good credit are rewarded with lower premiums on auto insurance in Hartville, MO. For instance, auto owners with exceptional credit scores pay $1,184 on auto insurance in Hartville, MO, whereas car owners with poor credit scores pay $2,251 on car insurance in Hartville, MO.
Factors that can influence the cost of car insurance in Hartville, MO 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.
- Hartville, MO Auto Insurance Rates
- Hartville, MO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hartville, MO
- Multi Vehicle Insurance Savings in Hartville, MO
- How Credit Score Affects Car Insurance Rates in Hartville, MO
- How DUI Affects Auto Insurance Premiums in Hartville, MO
- Top Auto Insurance Agents Near Hartville, MO
- How Driving Violations Affect Auto Insurance Rates in Hartville, MO
- Hartville, MO Auto Insurance Discounts on Anti Theft Feature
Hartville, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hartville, MO with that of other cities in and around Hartville.
|Average Insurance Rates||$1,380||$1,454||$1,412||$1,397||$1,437||$1,422|
Hartville, MO 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 Hartville, MO 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)|
Hartville, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hartville, MO 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|
Hartville, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hartville, MO 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|
Savings on 2 Vehicles bundle:$414
Savings on 3 Vehicles bundle:$621
Savings on 4 Vehicles bundle:$828
Hartville, MO 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 Hartville, MO.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
Hartville, MO 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|
Hartville, MO 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|
|Leeann Rauch||Farmers||4650 S National Ave Ste C3, Springfield, 65810||(417) 569-9500|
|Burlin Hefley||State Farm||1763 E Elm St, Springfield, 65802-3227||417-869-4461|
|Rob Akers||State Farm||1901a S Glenstone Ave, Springfield, 65804-2304||417-887-2717|
|Carey Heitman||State Farm||642 Missouri Ave, Saint Robert, 65584-4684||573-336-3990|
|Karen Tramm||Farmers||221 E Sunshine St Ste J, Springfield, 65807||(417) 812-5636|
|Chuck Fugate||State Farm||5349 N 22nd Street, Ozark, 65721-6695||417-582-1300|
|Apple Agency||None||105 S Commercial St, Seymour, 65746||None|
|Auto Insurance Express||None||2248 S Campbell Ave, Springfield, 65807||None|
|Allied Insurance Agency||None||1722 S Glenstone, Ste Ii, Springfield, 65804||None|
|Paul Banister||Allstate||3250 E Battlefield St Ste Q, Springfield, 65804||(417) 882-3627|
|Robert Bobby Hendrickson||Farmers||3433f S Campbell Ave, Springfield, 65807||(417) 883-9066|
Hartville, MO 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||+$61||$1,441|
|Driver's Failure In Showing Documents||+$134||$1,514|
|Driving With An Expired Registration||+$142||$1,522|
|Driving At A Considerably Slow Pace||+$299||$1,679|
|Using A Cellphone While Driving||+$316||$1,696|
|Running A Red Light||+$322||$1,702|
|Driving A Vehicle Without The Required Permission||+$429||$1,809|
|Driving With An Expired/Suspended License||+$930||$2,310|
Hartville, MO 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|
|Active Disabling Device||$1,325|
|Passive Disabling Device||$1,283|