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

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

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

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

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

Loxley Daphne Summerdale Baldwin County Silverhill Spanish Fort
Average Insurance Rates $1,479 $1,330 $1,457 $1,515 $1,492 $1,601

Loxley, 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 Loxley, 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)
Loxley $1,066 $900
Baldwin County $1,223 $1,033
Spanish Fort $1,719 $1,452
Bay Minette $2,029 $1,714
Silverhill $1,446 $1,221
Daphne $1,696 $1,433
Robertsdale $2,839 $2,398
Summerdale $2,815 $2,378

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

Teenagers in Loxley, 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 $4,799
20 Years $1,900
30 Years $1,464
40 Years $1,408
50 Years $1,304
60 Years $1,322
70 Years $1,539

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

Car owners in Loxley, 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 $2,603 $355
3 Vehicles $3,905 $532
4 Vehicles $5,206 $710

Savings on 2 Vehicles bundle:$355

Savings on 3 Vehicles bundle:$532

Savings on 4 Vehicles bundle:$710

Loxley, 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 Loxley, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Loxley $1,479 $2,622
Baldwin County $1,515 $2,686
Spanish Fort $1,601 $2,839
Bay Minette $1,470 $2,606
Silverhill $1,492 $2,645
Daphne $1,330 $2,358
Robertsdale $1,470 $2,606
Summerdale $1,457 $2,583

Loxley, 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) $1,269
Excellent (740-799) $1,448
Good (670-739) $1,541
Average (580-669) $2,011
Poor (300-579) $2,412

Loxley, 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
Sun Coast Insurance Group None P.O. Box 2571, Robertsdale, 36567 None
Paul Simmonds State Farm 22826 State Hwy 59 S, Robertsdale, 36567-3254 251-945-6000
Rick Phyfer State Farm 19416 Greeno Rd, Fairhope, 36532-3887 251-928-7500
S.S. Nesbitt & Co., Inc. - Daphne None 9949 Bellaton Avenue 9949 Bellaton Avenue, Daphne, 36526 None
Lad Drago State Farm 7623 Spanish Fort Blvd, Spanish Fort, 36527-5333 251-626-1237
Scott Russell Allstate 8757 Rand Ave Ste A, Daphne, 36526 (251) 626-7798
Otto Brewer State Farm 6185 Three Notch Rd, Mobile, 36619-1735 251-660-9962
Hermann Carter & Van Antwerp Travelers 255 ST FRANCIS ST, MOBILE, 36652 251-432-9000
Andrew Meyers State Farm 2394 Dawes Road, Mobile, 36695 251-633-6600

Loxley, 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 +$65 $1,544
Driver's Failure In Showing Documents +$143 $1,622
Driving With An Expired Registration +$152 $1,631
Driving At A Considerably Slow Pace +$321 $1,800
Using A Cellphone While Driving +$339 $1,818
Running A Red Light +$345 $1,824
Speeding +$362 $1,841
Driving A Vehicle Without The Required Permission +$460 $1,939
Driving With An Expired/Suspended License +$997 $2,476

Loxley, 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 $1,420
Active Disabling Device $1,420
Tracking Device $1,390
Passive Disabling Device $1,375