Nebo Auto Insurance Rates, Quotes, Agents & Reviews in KY

Nebo, KY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Nebo, KY, 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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Latest Car Insurance Rates in Nebo, KY

The average cost of car insurance in Nebo, KY, is $1,961. Car insurance is quite important. Consider the following scenario: You or a car passenger were in an accident. Then, vehicle insurance coverage might help with covering medical expenses and helping with lost income resulting from accident-related injuries. Car insurance might also be helpful if you get into an accident and damage someone else's property.

Every vehicle owner in Nebo must pay for auto insurance. It might be challenging to insure vehicles and choose the appropriate insurance. In order to help you get the best price, this article will explain the variables that go into determining your vehicle insurance rates, how they are calculated, and what you can do to change them.

Credit History

It's no secret that your credit score can affect your ability to borrow money at favourable rates. But did you know that your credit score can affect your car insurance rates? In Nebo, Kentucky, insurers can use your credit information when determining your auto insurance premium. That means if you have a poor credit score, you could be paying significantly more for your car insurance than someone with a good credit score. For example, in Nebo, KY, car owners with exceptional credit scores have to pay $1,683, while those with poor credit must pay $3,199. Therefore, the lower the vehicle insurance rates in Nebo, KY, the higher the credit score. 

Age of the Driver

Teenagers in Nebo, Kentucky, pay $6,363 for auto insurance, while drivers over the age of 40 pay $1,867. The average car insurance rates in Nebo, KY, are determined by the driver's age. The younger the driver, the higher the rates. The older the driver, the lower the rates. This is because younger drivers are considered more of a risk on the road. They are more likely to get into accidents and cause accidents. Older drivers are considered more experienced and less likely to get into accidents. A defensive driving course can help younger drivers save a little money. In contrast, senior drivers may be eligible for exceptional savings.

Driving Habits

A clean driving record is one of the most important factors in determining car insurance rates. In Nebo, KY, a clean driving record can save you up to 25% on your car insurance premiums. Insurance companies use your driving history to determine how dangerous it is to insure you. Your insurance will more likely result in a claim if you have a history of accidents and moving offences. For example, in Nebo, Kentucky, car insurance rates increase by +$457 and +$1,322 for drivers who run red lights or have expired licenses.

Factors that can influence the cost of car insurance in Nebo, KY 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.

Nebo, KY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Nebo Hopkins County Dawson Springs Providence Manitou Slaughters
Average Insurance Rates $1,961 $1,903 $1,855 $1,839 $1,939 $1,859

Nebo, KY 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 Nebo, KY 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)
Nebo $1,534 $1,295
Manitou $1,440 $1,216
Providence $1,206 $1,019
Hopkins County $1,804 $1,523
Webster County $2,714 $2,292
Slaughters $1,260 $1,064
Dawson Springs $1,888 $1,595
Earlington $1,424 $1,203

Nebo, KY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Nebo, KY 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 $6,363
20 Years $2,520
30 Years $1,941
40 Years $1,867
50 Years $1,729
60 Years $1,753
70 Years $2,041

Nebo, KY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Nebo, KY 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 $3,373 $549
3 Vehicles $5,059 $824
4 Vehicles $6,746 $1,098

Savings on 2 Vehicles bundle:$549

Savings on 3 Vehicles bundle:$824

Savings on 4 Vehicles bundle:$1,098

Nebo, KY 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 Nebo, KY.

Location Average Insurance Cost Post DUI Insurance Rate
Nebo $1,961 $3,265
Manitou $1,939 $3,228
Providence $1,839 $3,062
Hopkins County $1,903 $3,168
Webster County $1,879 $3,128
Slaughters $1,859 $3,095
Dawson Springs $1,855 $3,089
Earlington $1,852 $3,084

Nebo, KY 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) $1,683
Excellent (740-799) $1,921
Good (670-739) $2,043
Average (580-669) $2,666
Poor (300-579) $3,199

Nebo, KY 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
John Zieba State Farm 230B Madison Square Drive, Madisonville, 42431-2792 270-821-1744
Morgan Insurance Services Travelers 796 INDUSTRIAL CT, MADISONVILLE, 42431 270-825-2007
Perry Cheek State Farm 643 South Main, Madisonville, 42431-3039 270-821-8769
J Craig Riddle Co. Dba Riddle Liberty Mutual Independent 245 S MAIN ST, MADISONVILLE, 42431 (270) 821-3122
Ohio Valley Insurance Llc Travelers 2510 B TAMARACK RD, OWENSBORO, 42301 270-683-3336
Shane Boggess State Farm 2003 Stapp Dr, Henderson, 42420-2663 270-827-8545
West Kentucky Insurance Travelers 205 MAPLE STREET, PROVIDENCE, 42450 270-667-7051
Shane Cox Insurance Inc Travelers 400 Salem Dr, Ste I-13, Owensboro, 42303 None

Nebo, KY 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 +$86 $2,047
Driver's Failure In Showing Documents +$190 $2,151
Driving With An Expired Registration +$202 $2,163
Driving At A Considerably Slow Pace +$426 $2,387
Using A Cellphone While Driving +$449 $2,410
Running A Red Light +$457 $2,418
Speeding +$480 $2,441
Driving A Vehicle Without The Required Permission +$610 $2,571
Driving With An Expired/Suspended License +$1,322 $3,283

Nebo, KY 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 $1,883
Active Disabling Device $1,883
Tracking Device $1,843
Passive Disabling Device $1,824