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.
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 Rates
- Nebo, KY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Nebo, KY
- Multi Vehicle Insurance Savings in Nebo, KY
- How Credit Score Affects Car Insurance Rates in Nebo, KY
- How DUI Affects Auto Insurance Premiums in Nebo, KY
- Top Auto Insurance Agents Near Nebo, KY
- How Driving Violations Affect Auto Insurance Rates in Nebo, KY
- Nebo, KY Auto Insurance Discounts on Anti Theft Feature
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 |