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.
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 Rates
- Senatobia, MS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Senatobia, MS
- Multi Vehicle Insurance Savings in Senatobia, MS
- How Credit Score Affects Car Insurance Rates in Senatobia, MS
- How DUI Affects Auto Insurance Premiums in Senatobia, MS
- Top Auto Insurance Agents Near Senatobia, MS
- How Driving Violations Affect Auto Insurance Rates in Senatobia, MS
- Senatobia, MS Auto Insurance Discounts on Anti Theft Feature
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 |