Hazelwood, MO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Hazelwood, 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.
Cheap Car Insurance In Hazelwood, MO
The average auto insurance price in Hazelwood, MO, is $1,444. Car insurance is one of the most important things that drivers need to have. It protects them financially in case of an accident and is required by law in most states. Drivers in Hazelwood, MO, have a few different options when it comes to car insurance. Many different insurance companies offer coverage in the area, each with its advantages and disadvantages. The best way to find car insurance is to compare companies and rates. When you are getting a quote, be sure to ask about discounts. Many insurance companies offer discounts for safe driving, multiple vehicles, and more. If you can qualify for any of these discounts, you can save a significant amount on your premium. Here are some recommendations for finding economical and cheap vehicle insurance in Hazelwood, Missouri, if you're seeking it.
By Obeying Driving Regulations
When it comes to car insurance, one of the best ways to help keep costs down is to obey all driving regulations. This means following the speed limit, not driving under the influence of drugs or alcohol, and using your turn signals when changing lanes. By obeying the law, you are less likely to get into an accident, which will help keep your insurance rates low. For instance, fines for using a cell phone while driving and operating a car without headlights raise the cost of auto insurance in Hazelwood, Missouri, by +$331 and +$64, respectively.
See the graph below for information on Hazelwood, Missouri's auto insurance rates for moving violations.
By Opting for a Lower Deductible
Regarding car insurance, one of the most important factors is the deductible. The deductible is the amount of money you will be required to pay out of pocket for an accident or other covered event. By opting for a lower deductible, you can help reduce the cost of your car insurance in Hazelwood, MO. There are a few things to remember when choosing a deductible for your car insurance policy. First, you will want to consider how much you can afford to pay out of pocket in the event of an accident. If you have a high deductible, you will be responsible for a larger portion of the damages, but you will also see a decrease in your monthly premium. In Hazelwood, people who select a $500 low deductible pay $2,079, while those who choose a $1,000 high deductible pay $1,756. Whatever deductible you decide on, bear in mind to set aside enough money to pay for it in the event that you need to file a claim.
By Availing of Multi-Car Discounts
If you have more than one car in your household, you can get a discount on your car insurance by insuring all of them with the same company. This is because insurers consider households with multiple cars lower risk than those with just one car. In Hazelwood, Missouri, car owners typically pay $2,513 for three vehicles and $3,769 for two cars. They may often save between $375 and $563 on car insurance in Hazelwood, Missouri.
Factors that can influence the cost of car insurance in Hazelwood, 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.
- Hazelwood, MO Auto Insurance Rates
- Hazelwood, MO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Hazelwood, MO
- Multi Vehicle Insurance Savings in Hazelwood, MO
- How Credit Score Affects Car Insurance Rates in Hazelwood, MO
- How DUI Affects Auto Insurance Premiums in Hazelwood, MO
- Top Auto Insurance Agents Near Hazelwood, MO
- How Driving Violations Affect Auto Insurance Rates in Hazelwood, MO
- Hazelwood, MO Auto Insurance Discounts on Anti Theft Feature
Hazelwood, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Hazelwood, MO with that of other cities in and around Hazelwood.
| Hazelwood | Florissant | St. Ann | Bridgeton | Northwest | Champ | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,444 | $1,428 | $1,420 | $1,494 | $1,470 | $2,052 |
Hazelwood, 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 Hazelwood, 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) |
|---|---|---|
| Hazelwood | $2,079 | $1,756 |
| Northwest | $1,233 | $1,041 |
| Bridgeton | $940 | $794 |
| Airport | $2,421 | $2,045 |
| Florissant | $1,446 | $1,221 |
| Edmundson | $1,286 | $1,087 |
| Champ | $2,114 | $1,785 |
| St. Ann | $1,411 | $1,192 |
Hazelwood, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Hazelwood, 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 |
|---|---|
| Teens | $4,686 |
| 20 Years | $1,855 |
| 30 Years | $1,429 |
| 40 Years | $1,375 |
| 50 Years | $1,273 |
| 60 Years | $1,291 |
| 70 Years | $1,503 |
Hazelwood, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Hazelwood, 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 |
|---|---|---|
| 2 Vehicles | $2,513 | $375 |
| 3 Vehicles | $3,769 | $563 |
| 4 Vehicles | $5,025 | $751 |
Savings on 2 Vehicles bundle:$375
Savings on 3 Vehicles bundle:$563
Savings on 4 Vehicles bundle:$751
Hazelwood, 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 Hazelwood, MO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Hazelwood | $1,444 | $2,060 |
| Northwest | $1,470 | $2,097 |
| Bridgeton | $1,494 | $2,131 |
| Airport | $1,416 | $2,020 |
| Florissant | $1,428 | $2,037 |
| Edmundson | $1,397 | $1,993 |
| Champ | $2,052 | $2,927 |
| St. Ann | $1,420 | $2,026 |
Hazelwood, 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 |
|---|---|
| Exceptional (800-850) | $1,239 |
| Excellent (740-799) | $1,414 |
| Good (670-739) | $1,505 |
| Average (580-669) | $1,963 |
| Poor (300-579) | $2,355 |
Hazelwood, 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 |
|---|---|---|---|
| Nieroda Insurance Agency | Travelers | NEW TOWN 3225-I DOMAIN STREET, ST CHARLES, 63301 | 636-255-0550 |
| Steve Oien | State Farm | 4131 Mexico Rd, Saint Peters, 63376-6410 | 636-936-1111 |
| Ryan Vardeman | State Farm | 12287 Olive Blvd, Creve Coeur, 63141-6630 | 314-275-3767 |
| Charles L Crane Agency | Liberty Mutual Independent | 100 N BROADWAY STE 900, SAINT LOUIS, 63102 | 314-241-8700 |
| Charles L Crane Agency | Liberty Mutual Independent | 100 N BROADWAY STE 900, SAINT LOUIS, 63102 | 314-241-8700 |
| Max Mcgowan | State Farm | 11520 St Charls Rck Rd Ste 204, Bridgeton, 63044-2732 | 314-291-5655 |
| Anderson And Associates Insurance | Travelers | 8326 LACKLAND RD, ST LOUIS, 63114 | 314-423-8436 |
| Associated Insurance Group | Travelers | 150 WELDON PKWY, MARYLAND HEIGHTS, 63043 | 314-432-1812 |
| Associated Insurance Group | Travelers | 150 WELDON PKWY, MARYLAND HEIGHTS, 63043 | 314-432-1812 |
Hazelwood, 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 | +$64 | $1,508 |
| Driver's Failure In Showing Documents | +$140 | $1,584 |
| Driving With An Expired Registration | +$149 | $1,593 |
| Driving At A Considerably Slow Pace | +$313 | $1,757 |
| Using A Cellphone While Driving | +$331 | $1,775 |
| Running A Red Light | +$336 | $1,780 |
| Speeding | +$354 | $1,798 |
| Driving A Vehicle Without The Required Permission | +$449 | $1,893 |
| Driving With An Expired/Suspended License | +$973 | $2,417 |
Hazelwood, 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 |
|---|---|
| Audible Alarm | $1,386 |
| Active Disabling Device | $1,386 |
| Tracking Device | $1,357 |
| Passive Disabling Device | $1,343 |