Perdido Beach Auto Insurance Rates, Quotes, Agents & Reviews in AL

Perdido Beach, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Perdido Beach, 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 Perdido Beach, 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.


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

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

Perdido Beach Bellview Gulf Shores Warrington Myrtle Grove Orange Beach
Average Insurance Rates $1,494 $2,077 $1,592 $2,056 $2,074 $1,598

Perdido Beach, 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 Perdido Beach, 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)
Perdido Beach $1,380 $1,166
Elberta $1,414 $1,195
Orange Beach $2,330 $1,968
Warrington $1,619 $1,368
Myrtle Grove $1,454 $1,228
Gulf Shores $1,383 $1,168
Bellview $1,941 $1,639
Summerdale $2,815 $2,378

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

Teenagers in Perdido Beach, 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 $4,848
20 Years $1,920
30 Years $1,479
40 Years $1,423
50 Years $1,317
60 Years $1,336
70 Years $1,555

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

Car owners in Perdido Beach, 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 $2,629 $359
3 Vehicles $3,944 $538
4 Vehicles $5,259 $717

Savings on 2 Vehicles bundle:$359

Savings on 3 Vehicles bundle:$538

Savings on 4 Vehicles bundle:$717


Perdido Beach, 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 Perdido Beach, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Perdido Beach $1,494 $2,649
Elberta $1,485 $2,633
Orange Beach $1,598 $2,833
Warrington $2,056 $3,218
Myrtle Grove $2,074 $3,246
Gulf Shores $1,592 $2,823
Bellview $2,077 $3,251
Summerdale $1,457 $2,583

Perdido Beach, 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) $1,282
Excellent (740-799) $1,463
Good (670-739) $1,557
Average (580-669) $2,031
Poor (300-579) $2,437

Perdido Beach, 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
Frances Holk-Jones State Farm 315 E Laurel Ave Ste 101, Foley, 36535-2607 251-943-5031
Frances Holk-Jones State Farm 315 E Laurel Ave Ste 101, Foley, 36535-2607 251-943-5031
Paul Simmonds State Farm 22826 State Hwy 59 S, Robertsdale, 36567-3254 251-945-6000
Jacque Mixon Allstate 18345 Pennsylvania St, Robertsdale, 36567 (251) 947-2221
Jacque Mixon Allstate 18345 Pennsylvania St, Robertsdale, 36567 (251) 947-2221
First Baldwin Insurance Liberty Mutual Independent 8154 State Highway 59 Ste 201, FOLEY, 36535 (251) 943-6677
Craig Smith Jr. Allstate 2090 Schillinger Rd S Ste J, Mobile, 36695 (251) 633-7993
John Brown Allstate 6343 Cottage Hill Rd, Mobile, 36609 (251) 661-6800
Don Hargrove State Farm 5646 Old Pascagoula Rd Ste A, Mobile, 36619-2133 251-653-5839
Bancorp South Insurance Services None 1110 Montlimar Drive 1110 Montlimar Drive, Mobile, 36609 None

Perdido Beach, 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 +$66 $1,560
Driver's Failure In Showing Documents +$145 $1,639
Driving With An Expired Registration +$154 $1,648
Driving At A Considerably Slow Pace +$324 $1,818
Using A Cellphone While Driving +$342 $1,836
Running A Red Light +$348 $1,842
Speeding +$366 $1,860
Driving A Vehicle Without The Required Permission +$465 $1,959
Driving With An Expired/Suspended License +$1,007 $2,501

Perdido Beach, 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 $1,434
Active Disabling Device $1,434
Tracking Device $1,404
Passive Disabling Device $1,389