Laceys Spring Auto Insurance Rates, Quotes, Agents & Reviews in AL

Laceys Spring, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Laceys Spring, 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 Laceys Spring, 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.


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

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

Laceys Spring Eva Owens Cross Roads Redstone Arsenal Somerville Triana
Average Insurance Rates $1,447 $1,427 $1,459 $1,953 $1,485 $1,557

Laceys Spring, 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 Laceys Spring, 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)
Laceys Spring $997 $842
Somerville $1,470 $1,241
Redstone Arsenal $2,012 $1,699
Eva $1,937 $1,636
Triana $967 $817
Union Grove $1,706 $1,441
Owens Cross Roads $2,818 $2,380
New Hope $2,023 $1,709

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

Teenagers in Laceys Spring, 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 $4,695
20 Years $1,859
30 Years $1,432
40 Years $1,378
50 Years $1,276
60 Years $1,294
70 Years $1,506

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

Car owners in Laceys Spring, 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 $2,547 $347
3 Vehicles $3,820 $521
4 Vehicles $5,093 $695

Savings on 2 Vehicles bundle:$347

Savings on 3 Vehicles bundle:$521

Savings on 4 Vehicles bundle:$695


Laceys Spring, 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 Laceys Spring, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Laceys Spring $1,447 $2,566
Somerville $1,485 $2,633
Redstone Arsenal $1,953 $3,463
Eva $1,427 $2,530
Triana $1,557 $2,761
Union Grove $1,453 $2,576
Owens Cross Roads $1,459 $2,587
New Hope $1,499 $2,658

Laceys Spring, 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) $1,242
Excellent (740-799) $1,417
Good (670-739) $1,508
Average (580-669) $1,967
Poor (300-579) $2,360

Laceys Spring, 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 $1,511
Driver's Failure In Showing Documents +$140 $1,587
Driving With An Expired Registration +$149 $1,596
Driving At A Considerably Slow Pace +$314 $1,761
Using A Cellphone While Driving +$331 $1,778
Running A Red Light +$337 $1,784
Speeding +$355 $1,802
Driving A Vehicle Without The Required Permission +$450 $1,897
Driving With An Expired/Suspended License +$975 $2,422

Laceys Spring, 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 $1,389
Active Disabling Device $1,389
Tracking Device $1,360
Passive Disabling Device $1,346