Pulaski, VA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Pulaski, VA, 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.
Affordable Car Insurance in Pulaski, VA
The average cost of auto insurance in Pulaski, VA, is $1,221. The cost of car insurance in Pulaski, Virginia, is based on a number of variables, including the driver's age, marital status, gender, credit history, claims history, DUI records, and many others.. Sorting through all the specifics and requirements may be difficult, depending on car insurance providers' aspects. To make things simpler, Zimlon has researched all the variables that may affect the price of auto insurance in Pulaski, Virginia, through its research. Consider the following factors to lower your premium and to avail affordable car insurance in Pulaski, VA.
1. Credit History
Insurance companies use your credit score and credit history to help determine your auto insurance rates because they believe that people with higher credit scores are more likely to file fewer and smaller claims. Studies have shown that people with higher credit scores are less likely to file insurance claims, and when they file claims, the claims are often for smaller amounts. For example, in Pulaski, VA, car owners with exceptional credit scores pay $1,048 for car insurance, while those with poor credit scores pay $1,992 for the same coverage. You can do a few things to help improve your credit score and credit history. First, make sure you make all of your payments on time. Second, keep your credit balances low. Third, avoid opening new credit accounts unless you need them.
2. Age of the Driver
Age is one of the many factors that insurance companies use to determine auto insurance rates. The younger the driver, the higher the rates will be. This is because younger drivers are considered to be more of a risk than older drivers. Insurance companies look at statistics to determine how likely a young driver will be involved in an accident. They also consider the type of car the young driver will be driving. For example, teenagers pay $3,962 on auto insurance in Pulaski, VA, whereas old drivers aged 40 years pay $1,163.
3. Driving Habits
Your driving record, including a history of traffic violations, DUIs, and incidents where you were at fault, determines your Pulaski, Virginia, car insurance rates. Auto insurance premiums in Pulaski, VA, may increase if you cause an accident or receive a traffic violations ticket. For example, in Pulaski, Virginia, vehicle insurance rates for drivers who run red lights or drive with an expired license increase by +$284 and +$823, respectively. Therefore, driving safely to get cheap vehicle insurance in Pulaski, Virginia, is essential.
Factors that can influence the cost of car insurance in Pulaski, VA 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.
- Pulaski, VA Auto Insurance Rates
- Pulaski, VA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Pulaski, VA
- Multi Vehicle Insurance Savings in Pulaski, VA
- How Credit Score Affects Car Insurance Rates in Pulaski, VA
- How DUI Affects Auto Insurance Premiums in Pulaski, VA
- Top Auto Insurance Agents Near Pulaski, VA
- How Driving Violations Affect Auto Insurance Rates in Pulaski, VA
- Pulaski, VA Auto Insurance Discounts on Anti Theft Feature
Pulaski, VA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Pulaski, VA with that of other cities in and around Pulaski.
| Pulaski | Draper | Ingles | Hiwassee | Dublin | Pulaski County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,221 | $904 | $924 | $934 | $904 | $909 |
Pulaski, VA 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 Pulaski, VA 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) |
|---|---|---|
| Pulaski | $1,485 | $1,255 |
| Pulaski County | $1,512 | $1,277 |
| Draper | $1,503 | $1,269 |
| Robinson | $1,235 | $1,043 |
| Massie | $1,540 | $1,301 |
| Dublin | $1,640 | $1,385 |
| Hiwassee | $1,598 | $1,349 |
| Ingles | $2,921 | $2,467 |
Pulaski, VA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Pulaski, VA 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 | $3,962 |
| 20 Years | $1,569 |
| 30 Years | $1,208 |
| 40 Years | $1,163 |
| 50 Years | $1,077 |
| 60 Years | $1,092 |
| 70 Years | $1,271 |
Pulaski, VA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Pulaski, VA 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 | $2,125 | $317 |
| 3 Vehicles | $3,187 | $476 |
| 4 Vehicles | $4,249 | $635 |
Savings on 2 Vehicles bundle:$317
Savings on 3 Vehicles bundle:$476
Savings on 4 Vehicles bundle:$635
Pulaski, VA 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 Pulaski, VA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Pulaski | $1,221 | $1,993 |
| Pulaski County | $909 | $1,484 |
| Draper | $904 | $1,476 |
| Robinson | $2,112 | $3,447 |
| Massie | $917 | $1,497 |
| Dublin | $904 | $1,476 |
| Hiwassee | $934 | $1,525 |
| Ingles | $924 | $1,508 |
Pulaski, VA 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) | $1,048 |
| Excellent (740-799) | $1,196 |
| Good (670-739) | $1,272 |
| Average (580-669) | $1,660 |
| Poor (300-579) | $1,992 |
Pulaski, VA 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 |
|---|---|---|---|
| Greg Ridpath Insurance Agency Inc | Nationwide | 6107 Fulk Drive, Radford, 24141-0000 | (540) 731-8696 |
| Jackson Insurance Agency | Travelers | 208 N MAIN STREET, HILLSVILLE, 24343 | 276-728-4212 |
| Jack King | State Farm | 8846 S Scenic Hwy, Bland, 24315-5272 | 276-688-4501 |
| Shari Hodge-Fricker | Erie | 522 E Main Street, Pulaski, 24301 | None |
| Greg Ridpath Insurance Agency Inc | Nationwide | 401 Washington Ave N, Pulaski, 24301-4629 | (540) 980-5060 |
| Bill Meador Insurance Agency | Erie | 2896 Northview Drive Sw, Roanoke, 24015 | None |
| Chance Miller | State Farm | 3555 Electric Rd Ste J, Roanoke, 24018-4437 | 540-774-1004 |
| Webb Donald | State Farm | 2001 Bob White Blvd, Pulaski, 24301-4235 | 540-980-6592 |
| Freedom First Insurance Llc | Travelers | 6375-A Peters Creek Rd, Roanoke, 24019 | None |
| Wells Fargo Ins Svcs - Roanoke | None | 210 First St Ste 400, Roanoke, 24011 | None |
Pulaski, VA 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 | +$54 | $1,275 |
| Driver's Failure In Showing Documents | +$118 | $1,339 |
| Driving With An Expired Registration | +$126 | $1,347 |
| Driving At A Considerably Slow Pace | +$265 | $1,486 |
| Using A Cellphone While Driving | +$280 | $1,501 |
| Running A Red Light | +$284 | $1,505 |
| Speeding | +$299 | $1,520 |
| Driving A Vehicle Without The Required Permission | +$380 | $1,601 |
| Driving With An Expired/Suspended License | +$823 | $2,044 |
Pulaski, VA 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 | $1,172 |
| Active Disabling Device | $1,172 |
| Tracking Device | $1,148 |
| Passive Disabling Device | $1,136 |