Haynesville, LA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Haynesville, LA, 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.
Affordable Car Insurance in Haynesville, LA
The average cost of car insurance in Haynesville, LA, is $2,328. There are various car insurance companies in Haynesville, LA, and many offer different prices for their products. The cost of auto insurance may vary depending on certain factors such as the driver's age and gender, credit score, deductible, number of driving violations, and others. Car owners looking for affordable car insurance in Haynesville, LA, have landed on the right page. Zimlon, through its research, has simplified the process and has explained these factors in detail.
a. Credit History
The credit history of the car driver plays a crucial role while determining the auto insurance premium in Haynesville, LA. Your credit-based insurance score comes from the details on your credit report and can help determine the likelihood that you will file an auto insurance claim in the future. Therefore, the lower your score, the more you may pay for car insurance in Haynesville, LA. For instance, car owners with exceptional credit scores have to pay $1,997, whereas car owners with poor or low credit scores have to pay $3,797 in Haynesville, LA. Therefore, car owners must maintain an appropriate credit score to acquire discounts on auto insurance rates in Haynesville, LA.
b. Age of the driver
According to car insurance companies, teenagers and beginner drivers are more likely to get into car crashes and accidents than other age groups. Therefore, they charge high premiums on car insurance for teen drivers. For example, teenagers pay $7,554 on auto insurance in Haynesville, LA, whereas old drivers aged 40 years pay $2,217 on auto insurance in Haynesville, LA.
c. Driving Habits
The price hike depends on the insurer and the seriousness of the offense committed by the driver. Car owners with a history of traffic transgressions or driving-related violations encounter high auto insurance rates in Haynesville, LA. For example, car drivers running a red light or driving with an expired license must pay +$542 and +$1,569 extra on the total cost of car insurance in Haynesville, LA.
Factors that can influence the cost of car insurance in Haynesville, LA 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.
- Haynesville, LA Auto Insurance Rates
- Haynesville, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Haynesville, LA
- Multi Vehicle Insurance Savings in Haynesville, LA
- How Credit Score Affects Car Insurance Rates in Haynesville, LA
- How DUI Affects Auto Insurance Premiums in Haynesville, LA
- Top Auto Insurance Agents Near Haynesville, LA
- How Driving Violations Affect Auto Insurance Rates in Haynesville, LA
- Haynesville, LA Auto Insurance Discounts on Anti Theft Feature
Haynesville, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Haynesville, LA with that of other cities in and around Haynesville.
| Haynesville | Tubal | Shongaloo | Emerson | Cullen | Claiborne | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,328 | $1,529 | $2,434 | $1,485 | $2,304 | $2,335 |
Haynesville, LA 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 Haynesville, LA 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) |
|---|---|---|
| Haynesville | $1,602 | $1,353 |
| Emerson | $1,217 | $1,028 |
| Shongaloo | $1,452 | $1,227 |
| Homer | $1,380 | $1,166 |
| Claiborne | $1,341 | $1,133 |
| Tubal | $1,133 | $957 |
| Cullen | $1,415 | $1,195 |
| Columbia County | $1,540 | $1,301 |
Haynesville, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Haynesville, LA 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 | $7,554 |
| 20 Years | $2,991 |
| 30 Years | $2,304 |
| 40 Years | $2,217 |
| 50 Years | $2,053 |
| 60 Years | $2,081 |
| 70 Years | $2,423 |
Haynesville, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Haynesville, LA 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 | $3,958 | $698 |
| 3 Vehicles | $5,936 | $1,048 |
| 4 Vehicles | $7,915 | $1,397 |
Savings on 2 Vehicles bundle:$698
Savings on 3 Vehicles bundle:$1,048
Savings on 4 Vehicles bundle:$1,397
Haynesville, LA 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 Haynesville, LA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Haynesville | $2,328 | $3,227 |
| Emerson | $1,485 | $2,465 |
| Shongaloo | $2,434 | $3,374 |
| Homer | $2,299 | $3,187 |
| Claiborne | $2,335 | $3,236 |
| Tubal | $1,529 | $2,538 |
| Cullen | $2,304 | $3,193 |
| Columbia County | $1,495 | $2,482 |
Haynesville, LA 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) | $1,997 |
| Excellent (740-799) | $2,280 |
| Good (670-739) | $2,426 |
| Average (580-669) | $3,165 |
| Poor (300-579) | $3,797 |
Haynesville, LA 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 |
|---|---|---|---|
| Kyle Allen | State Farm | 1000 Chinaberry Dr Ste 203, Bossier City, 71111-2461 | 318-746-6006 |
| Querbes & Nelson Insurance | Liberty Mutual Independent | 214 MILAM ST, SHREVEPORT, 71101 | 318-221-5241 |
| Boucher & Slack Ins Agcy Inc | Liberty Mutual Independent | 127 N MAIN ST, SPRINGHILL, 71075 | (318) 539-3541 |
| James A. Wiggins | Allstate | 530 Benton Rd, Bossier City, 71111 | (318) 742-1200 |
| Dethloff & Associates Inc | Travelers | 6425 YOUREE DR STE 410, SHREVEPORT, 71105 | 318-797-1600 |
| Dethloff & Associates Inc | Travelers | 6425 YOUREE DR STE 410, SHREVEPORT, 71105 | 318-797-1600 |
| Gary Procell | Allstate | 1953 E 70th St Ste 5, Shreveport, 71105 | (318) 865-3018 |
| Citizens Bank & Trust Co | None | 106 S Pine St, Vivian, 71082 | None |
Haynesville, LA 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 | +$102 | $2,430 |
| Driver's Failure In Showing Documents | +$226 | $2,554 |
| Driving With An Expired Registration | +$240 | $2,568 |
| Driving At A Considerably Slow Pace | +$505 | $2,833 |
| Using A Cellphone While Driving | +$533 | $2,861 |
| Running A Red Light | +$542 | $2,870 |
| Speeding | +$570 | $2,898 |
| Driving A Vehicle Without The Required Permission | +$724 | $3,052 |
| Driving With An Expired/Suspended License | +$1,569 | $3,897 |
Haynesville, LA 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 | $2,235 |
| Active Disabling Device | $2,235 |
| Tracking Device | $2,188 |
| Passive Disabling Device | $2,165 |