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

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

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

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

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

Lockhart Falco Florala Laurel Hill Horn Hill Onycha
Average Insurance Rates $1,369 $1,441 $1,398 $2,108 $1,406 $1,384

Lockhart, 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 Lockhart, 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)
Lockhart $1,315 $1,111
Florala $1,297 $1,095
Paxton $1,238 $1,046
Laurel Hill $2,815 $2,378
Paxton-Darlington $1,935 $1,635
Onycha $1,329 $1,122
Horn Hill $1,458 $1,232
Falco $1,039 $878

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

Teenagers in Lockhart, 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 $4,442
20 Years $1,759
30 Years $1,355
40 Years $1,304
50 Years $1,207
60 Years $1,224
70 Years $1,425

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

Car owners in Lockhart, 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 $2,409 $329
3 Vehicles $3,614 $493
4 Vehicles $4,819 $657

Savings on 2 Vehicles bundle:$329

Savings on 3 Vehicles bundle:$493

Savings on 4 Vehicles bundle:$657

Lockhart, 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 Lockhart, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Lockhart $1,369 $2,427
Florala $1,398 $2,479
Paxton $2,069 $3,238
Laurel Hill $2,108 $3,299
Paxton-Darlington $2,073 $3,244
Onycha $1,384 $2,454
Horn Hill $1,406 $2,493
Falco $1,441 $2,555

Lockhart, 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) $1,175
Excellent (740-799) $1,341
Good (670-739) $1,427
Average (580-669) $1,861
Poor (300-579) $2,233

Lockhart, 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
Gary Maddox Allstate 510 N Main St, Opp, 36467 (334) 493-4477
Melanie Garner State Farm 112 S Commerce St, Geneva, 36340-2211 334-684-3627
David Brooks Allstate 1831 E Three Notch St, Andalusia, 36421 (334) 767-3324
Christopher Jackson Allstate 408 River Falls St, Andalusia, 36420 (334) 222-8553
Mary Grimes Farmers 1208 Rucker Blvd Ste B, Enterprise, 36330 (334) 347-2544
Bruce Ladner State Farm 802 Highway 84 East, Opp, 36467 334-493-7062
Dockery & Associates Inc Nationwide 109 St Joseph Ave Ste 103, Brewton, 36426 (251) 377-5857
Brewton Insurance & Real Estate Agency Travelers 401 EVERGREEN AVE, BREWTON, 36427 251-867-4316
Watts Ins Agency Allstate 27 S Forest Ave, Luverne, 36049 (334) 335-5210

Lockhart, 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 +$60 $1,429
Driver's Failure In Showing Documents +$133 $1,502
Driving With An Expired Registration +$141 $1,510
Driving At A Considerably Slow Pace +$297 $1,666
Using A Cellphone While Driving +$314 $1,683
Running A Red Light +$319 $1,688
Speeding +$335 $1,704
Driving A Vehicle Without The Required Permission +$426 $1,795
Driving With An Expired/Suspended License +$923 $2,292

Lockhart, 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 $1,314
Active Disabling Device $1,314
Tracking Device $1,287
Passive Disabling Device $1,273