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.
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 Rates
- Point Clear, AL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Point Clear, AL
- Multi Vehicle Insurance Savings in Point Clear, AL
- How Credit Score Affects Car Insurance Rates in Point Clear, AL
- How DUI Affects Auto Insurance Premiums in Point Clear, AL
- Top Auto Insurance Agents Near Point Clear, AL
- How Driving Violations Affect Auto Insurance Rates in Point Clear, AL
- Point Clear, AL Auto Insurance Discounts on Anti Theft Feature
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, 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|
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|
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, 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|
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|
|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|
|Active Disabling Device||$1,568|
|Passive Disabling Device||$1,519|