Spanish Fort Auto Insurance Rates, Quotes, Agents & Reviews in AL

Spanish Fort, AL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Spanish Fort, 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.

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Factors that can influence the cost of car insurance in Spanish Fort, 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.


Spanish Fort, AL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

Spanish Fort Baldwin County Bay Minette Silverhill Loxley Creola
Average Insurance Rates $1,601 $1,515 $1,470 $1,492 $1,479 $1,442

Spanish Fort, 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 Spanish Fort, 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)
Spanish Fort $1,719 $1,452
Daphne $1,696 $1,433
Loxley $1,066 $900
Baldwin County $1,223 $1,033
Bay Minette $2,029 $1,714
Chickasaw $1,404 $1,186
Creola $2,474 $2,090
Silverhill $1,446 $1,221

Spanish Fort, AL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Spanish Fort, 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 $5,195
20 Years $2,057
30 Years $1,584
40 Years $1,524
50 Years $1,412
60 Years $1,431
70 Years $1,666

Spanish Fort, AL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Spanish Fort, 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 $2,786 $416
3 Vehicles $4,179 $624
4 Vehicles $5,571 $833

Savings on 2 Vehicles bundle:$416

Savings on 3 Vehicles bundle:$624

Savings on 4 Vehicles bundle:$833


Spanish Fort, 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 Spanish Fort, AL.

Location Average Insurance Cost Post DUI Insurance Rate
Spanish Fort $1,601 $2,839
Daphne $1,330 $2,358
Loxley $1,479 $2,622
Baldwin County $1,515 $2,686
Bay Minette $1,470 $2,606
Chickasaw $1,402 $2,486
Creola $1,442 $2,557
Silverhill $1,492 $2,645

Spanish Fort, 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) $1,374
Excellent (740-799) $1,568
Good (670-739) $1,668
Average (580-669) $2,176
Poor (300-579) $2,611

Spanish Fort, 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
Craig F. Smith Allstate 1501 US Highway 98, Daphne, 36526 (251) 626-2500
Martin Kennedy Farmers 9794 Timber Cir Ste B, Spanish Fort, 36527 (251) 625-3335
Mike Puckett Allstate 1222 Hillcrest Rd Ste A, Mobile, 36695 (251) 634-8111
Sheila Booth Farmers 809a Daphne Ave, Daphne, 36526 (251) 621-1822
Thomas Harrison & Associates Liberty Mutual Independent 26436 KENSINGTON PL, DAPHNE, 36526 251-621-2180
Lad Drago State Farm 7623 Spanish Fort Blvd, Spanish Fort, 36527-5333 251-626-1237
Jim Golemon State Farm 28796 Highway 98, Daphne, 36526-7260 251-626-2071

Spanish Fort, 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 +$70 $1,671
Driver's Failure In Showing Documents +$155 $1,756
Driving With An Expired Registration +$165 $1,766
Driving At A Considerably Slow Pace +$347 $1,948
Using A Cellphone While Driving +$367 $1,968
Running A Red Light +$373 $1,974
Speeding +$392 $1,993
Driving A Vehicle Without The Required Permission +$498 $2,099
Driving With An Expired/Suspended License +$1,079 $2,680

Spanish Fort, 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 $1,537
Active Disabling Device $1,537
Tracking Device $1,505
Passive Disabling Device $1,489