Senatobia Auto Insurance Rates, Quotes, Agents & Reviews in MS

Senatobia, MS Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Senatobia, MS, 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 Impacting Car Insurance in Senatobia, MS

Car insurance is an essential part of owning a car. It protects you financially in the event of an accident or other incident that damages your car. It is required by law in most states, and it is a good idea even if it is not required. There are many car insurance types, and choosing the right one can be confusing. The most important thing is to make sure you are adequately covered. This means considering the value of your car, the likelihood of you getting into an accident, and your financial situation. The average cost of car insurance in Senatobia, MS, is $1607. Once you decide how much coverage you need, you can start shopping for the best deal. It is important to compare rates from different companies, as they can vary significantly. You should also look at the company's reputation, financial stability, and customer service record. Here are a few things to remember when shopping for car insurance in Senatobia, MS. 

Car Insurance Rates Based on the Driver's Age in Senatobia, MS

Car insurance rates in Senatobia, MS, are affected by various factors, including the driver's age. Younger drivers are generally considered riskier and may face higher car insurance rates. For instance, teenagers may have to pay significantly higher premiums compared to more experienced drivers in their 30s or 40s. This is because younger drivers are statistically more likely to be involved in accidents. For example, car insurance for teenage drivers in Senatobia, MS, costs around $5214, while drivers over 40 pay $1530 for the same coverage. If you are a young driver in Senatobia, MS, some strategies exist to reduce car insurance rates. These include taking a defensive driving course and purchasing a more affordable car to insure.

Car Insurance Rates Post-DUI in Senatobia, MS

Getting a DUI conviction can be a costly experience in more ways than one, and one of those ways is the impact it can have on your car insurance rates in Senatobia, MS. Drivers who have a DUI on their record may see a significant increase in their car insurance rates. In addition to the legal and financial consequences of a DUI, you may have to pay higher rates for several years. Senatobia vehicle insurance costs $1,607 on average; following a DUI, these expenses increase by $1058, and they pay $2,665.

Car Insurance Rates Based on Credit History in Senatobia, MS

Insurance companies in Senatobia, MS, use credit scores to help determine the likelihood of a policyholder making a claim. As a result, drivers with poor credit histories may face higher car insurance rates than those with excellent credit scores. For example, in Senatobia, MS, drivers with excellent credit scores may pay $1574 for auto insurance, while those with poor credit scores may pay $2621 for the same coverage. Therefore, if you're looking for affordable car insurance in Senatobia, MS, it's crucial to ensure that your credit score is in good standing.

Factors that can influence the cost of car insurance in Senatobia, MS 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.

Senatobia, MS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Senatobia Tate County Hernando Panola County Crenshaw Como
Average Insurance Rates $1,607 $1,580 $1,687 $1,532 $1,493 $1,583

Senatobia, MS 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 Senatobia, MS 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)
Senatobia $1,345 $1,136
Tate County $1,455 $1,229
Coldwater $1,363 $1,151
Como $2,773 $2,342
Sardis $1,609 $1,359
Crenshaw $1,270 $1,073
Hernando $1,533 $1,295
Panola County $2,102 $1,776

Senatobia, MS Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Senatobia, MS 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 $5,214
20 Years $2,065
30 Years $1,590
40 Years $1,530
50 Years $1,417
60 Years $1,437
70 Years $1,672

Senatobia, MS Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Senatobia, MS 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 $2,828 $386
3 Vehicles $4,242 $579
4 Vehicles $5,657 $771

Savings on 2 Vehicles bundle:$386

Savings on 3 Vehicles bundle:$579

Savings on 4 Vehicles bundle:$771

Senatobia, MS 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 Senatobia, MS.

Location Average Insurance Cost Post DUI Insurance Rate
Senatobia $1,607 $2,665
Tate County $1,580 $2,620
Coldwater $1,530 $2,537
Como $1,583 $2,625
Sardis $1,535 $2,546
Crenshaw $1,493 $2,476
Hernando $1,687 $2,798
Panola County $1,532 $2,541

Senatobia, MS 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) $1,379
Excellent (740-799) $1,574
Good (670-739) $1,675
Average (580-669) $2,185
Poor (300-579) $2,621

Senatobia, MS 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
Thomas Wooten Allstate 309 W Main St, Senatobia, 38668 (662) 301-8419
James Wallace Allstate 2416 E Parkway St, Hernando, 38632 (662) 449-4494
Callicott Insurance Center, Inc. Liberty Mutual Independent 408 W Main St, Senatobia, 38668 None
Cushman Agency None 226 E. Main Street, Senatobia, 38668 None
Ricky Price State Farm 105 N Robinson St, Senatobia, 38668-2129 662-562-5623
Pointer Insurance Agency Travelers 207 MAIN ST, COMO, 38619 662-526-5101

Senatobia, MS 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 +$71 $1,678
Driver's Failure In Showing Documents +$156 $1,763
Driving With An Expired Registration +$166 $1,773
Driving At A Considerably Slow Pace +$349 $1,956
Using A Cellphone While Driving +$368 $1,975
Running A Red Light +$374 $1,981
Speeding +$394 $2,001
Driving A Vehicle Without The Required Permission +$500 $2,107
Driving With An Expired/Suspended License +$1,083 $2,690

Senatobia, MS 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 $1,543
Active Disabling Device $1,543
Tracking Device $1,511
Passive Disabling Device $1,495