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

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

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

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

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

Ozark Newton Echo Blue Springs Dale County Fort Rucker
Average Insurance Rates $1,436 $1,416 $1,405 $1,389 $1,433 $1,962

Ozark, 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 Ozark, 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)
Ozark $1,505 $1,271
Dale County $1,137 $960
Ariton $1,319 $1,114
Fort Rucker $2,021 $1,707
Echo $1,431 $1,208
Newton $2,274 $1,921
Clio $1,437 $1,214
Blue Springs $1,334 $1,127

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

Teenagers in Ozark, 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 $4,660
20 Years $1,845
30 Years $1,421
40 Years $1,367
50 Years $1,266
60 Years $1,284
70 Years $1,494

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

Car owners in Ozark, 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 $2,470 $402
3 Vehicles $3,705 $603
4 Vehicles $4,940 $804

Savings on 2 Vehicles bundle:$402

Savings on 3 Vehicles bundle:$603

Savings on 4 Vehicles bundle:$804

Ozark, 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 Ozark, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Ozark $1,436 $2,546
Dale County $1,433 $2,541
Ariton $1,430 $2,535
Fort Rucker $1,962 $3,479
Echo $1,405 $2,491
Newton $1,416 $2,511
Clio $1,395 $2,473
Blue Springs $1,389 $2,463

Ozark, 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) $1,232
Excellent (740-799) $1,406
Good (670-739) $1,496
Average (580-669) $1,952
Poor (300-579) $2,342

Ozark, 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
Jenna Mack State Farm 209 N Us Highway 231, Ozark, 36360-4865 334-774-2020
Brad Snellgrove Allstate 702 S Main St, Enterprise, 36330 (334) 475-4448
Circle Ins Agcy None P O Box 670, Ozark, 36360 None
Circle Insurance Agency Inc Travelers 863 ANDREWS AVE, OZARK, 36361 334-774-7177
Enterprise Insurance Services Llc Allstate 381 N Daleville Ave, Daleville, 36322 (334) 347-9133
Kreis Agency Llc Travelers 109 HIGHWAY 231 S, TROY, 36079 334-566-8777
Roger L. Watts Nationwide 214 North Prairie Street Suite 1, Union Springs, 36089-1651 (205) 991-6543

Ozark, 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 +$63 $1,499
Driver's Failure In Showing Documents +$139 $1,575
Driving With An Expired Registration +$148 $1,584
Driving At A Considerably Slow Pace +$312 $1,748
Using A Cellphone While Driving +$329 $1,765
Running A Red Light +$335 $1,771
Speeding +$352 $1,788
Driving A Vehicle Without The Required Permission +$447 $1,883
Driving With An Expired/Suspended License +$968 $2,404

Ozark, 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 $1,379
Active Disabling Device $1,379
Tracking Device $1,350
Passive Disabling Device $1,335