Point Clear Auto Insurance Rates, Quotes, Agents & Reviews in AL

Point Clear, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Point Clear, 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.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Point Clear, 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.


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

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

Point Clear Silverhill Foley Theodore Fairhope Belle Fontaine
Average Insurance Rates $1,633 $1,492 $1,300 $1,449 $1,563 $1,433

Point Clear, 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 Point Clear, 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)
Point Clear $1,564 $1,321
Fairhope $1,330 $1,123
Silverhill $1,446 $1,221
Magnolia Springs $1,494 $1,262
Foley $1,089 $920
Belle Fontaine $1,173 $991
Daphne $1,696 $1,433
Theodore $1,644 $1,389

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

Teenagers in Point Clear, 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 $5,299
20 Years $2,098
30 Years $1,616
40 Years $1,555
50 Years $1,440
60 Years $1,460
70 Years $1,699

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

Car owners in Point Clear, 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 $2,776 $490
3 Vehicles $4,164 $735
4 Vehicles $5,552 $980

Savings on 2 Vehicles bundle:$490

Savings on 3 Vehicles bundle:$735

Savings on 4 Vehicles bundle:$980


Point Clear, 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 Point Clear, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Point Clear $1,633 $2,895
Fairhope $1,563 $2,771
Silverhill $1,492 $2,645
Magnolia Springs $1,603 $2,842
Foley $1,300 $2,305
Belle Fontaine $1,433 $2,541
Daphne $1,330 $2,358
Theodore $1,449 $2,569

Point Clear, 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) $1,401
Excellent (740-799) $1,599
Good (670-739) $1,702
Average (580-669) $2,220
Poor (300-579) $2,664

Point Clear, 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
Tim Simmonds State Farm 356 Morphy Ave, Fairhope, 36532-2301 251-928-1400
Doug Covert Allstate 101 Lottie Ln, Fairhope, 36532 (251) 928-0560
Badger-Stonewall Insurance None 368 Commercial Park Drive, Fairhope, 36532 None
James Daigle State Farm 3986 Government Blvd Ste C, Mobile, 36693-4723 251-602-8282
Thomas Harrison & Associates Liberty Mutual Independent 26436A Kensington Pl, DAPHNE, 36526 (251) 621-2180
Terry Horton Allstate 25833 State Highway 181, Daphne, 36526 (251) 625-6767
Sheila Booth Farmers 809a Daphne Ave, Daphne, 36526 (251) 621-1822
Neill Bonding & Insurance Services None Po Box 925, Fairhope, 36532 None
Whitehaven Insurance Group None 18880 Hwy 181 18880 Hwy 181 , Fairhope, 36532 None
Point Clear Insurance Service, Llc None 368 Commercial Park Dr, Fairhope, 36532 None
Lemon Mohler Insurance Agency None 22787 Us Highway 98 Building E, Suite 1 Fairhope, Daphne, 36532 (251) 517-3224

Point Clear, 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 +$72 $1,705
Driver's Failure In Showing Documents +$158 $1,791
Driving With An Expired Registration +$168 $1,801
Driving At A Considerably Slow Pace +$354 $1,987
Using A Cellphone While Driving +$374 $2,007
Running A Red Light +$380 $2,013
Speeding +$400 $2,033
Driving A Vehicle Without The Required Permission +$508 $2,141
Driving With An Expired/Suspended License +$1,101 $2,734

Point Clear, 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 $1,568
Active Disabling Device $1,568
Tracking Device $1,535
Passive Disabling Device $1,519