Springhill, LA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Springhill, LA, 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.
Auto insurance in SpringHill, LA
Auto insurance is one of the most important things you can have for your vehicle. It not only protects you from liability in the event of an accident but can also help to cover the cost of repairs or replacement if your vehicle is damaged or stolen. There are many different types of auto insurance available. The one you choose will depend on several factors, including your vehicle type, your driving history, and your budget.
The average cost of car insurance in SpringHill, LA, is $2,324.Make sure to check prices from various companies while looking for auto insurance. Rates might differ significantly amongst insurers. You should take into account each company's forms of coverage and customer service reputation in addition to pricing. Once you have settled on an insurer, carefully examine the policy before buying it to ensure it satisfies your requirements.
Credit History
People are more inclined to perceive you as a responsible driver if you have a solid credit history. As a result, the insurance provider will likely charge you a reduced premium because you pose less risk. On the other side, you're viewed as a larger risk if you have a poor credit history. This implies that the insurance provider will increase your premium to cover your increased risk. With exceptional credit scores, car owners in SpringHill, Louisiana, have to pay $1,994, while those with poor credit must pay $3791 for auto insurance. Therefore, ensure a decent credit history if searching for the best auto insurance quote in SpringHill, Louisiana. In the long term, it might cost you less money.
Age of the Driver
younger drivers tend to be charged higher rates than older drivers. This is because younger drivers are considered more of a risk on the road. Insurance companies consider the driver's age when setting rates because it is one of the best indicators of future risk. For example, teenage drivers in SpringHill, Louisiana, spend $7,541 for auto insurance, compared to older drivers who are 40 years old and pay $2,213.
Driving Habits
Auto insurance companies use a variety of factors to set rates, and your driving record is just one of them. In SpringHill, Louisiana, your driving record can significantly impact your auto insurance rates. If you have a clean driving record, you will likely pay less for insurance than someone with accidents or violations. However, even a single speeding ticket can cause your rates to increase. For instance, in SpringHill, Louisiana, auto insurance costs go up by +$541 and +$1,566 for drivers who run red lights or have expired licenses, respectively.
Factors that can influence the cost of car insurance in Springhill, LA 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.
- Springhill, LA Auto Insurance Rates
- Springhill, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Springhill, LA
- Multi Vehicle Insurance Savings in Springhill, LA
- How Credit Score Affects Car Insurance Rates in Springhill, LA
- How DUI Affects Auto Insurance Premiums in Springhill, LA
- Top Auto Insurance Agents Near Springhill, LA
- How Driving Violations Affect Auto Insurance Rates in Springhill, LA
- Springhill, LA Auto Insurance Discounts on Anti Theft Feature
Springhill, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Springhill, LA with that of other cities in and around Springhill.
| Springhill | Sarepta | Walker Creek | Shongaloo | Taylor | Cullen | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,324 | $2,327 | $1,511 | $2,434 | $1,469 | $2,304 |
Springhill, LA 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 Springhill, LA 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) |
|---|---|---|
| Springhill | $2,093 | $1,768 |
| Cullen | $1,415 | $1,195 |
| Sarepta | $2,397 | $2,024 |
| French | $1,242 | $1,049 |
| Taylor | $2,156 | $1,821 |
| Walker Creek | $1,019 | $860 |
| Shongaloo | $1,452 | $1,227 |
| Cotton Valley | $1,388 | $1,173 |
Springhill, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Springhill, LA 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 | $7,541 |
| 20 Years | $2,986 |
| 30 Years | $2,300 |
| 40 Years | $2,213 |
| 50 Years | $2,049 |
| 60 Years | $2,078 |
| 70 Years | $2,419 |
Springhill, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Springhill, LA 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 | $3,997 | $651 |
| 3 Vehicles | $5,996 | $976 |
| 4 Vehicles | $7,995 | $1,301 |
Savings on 2 Vehicles bundle:$651
Savings on 3 Vehicles bundle:$976
Savings on 4 Vehicles bundle:$1,301
Springhill, LA 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 Springhill, LA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Springhill | $2,324 | $3,221 |
| Cullen | $2,304 | $3,193 |
| Sarepta | $2,327 | $3,225 |
| French | $1,530 | $2,540 |
| Taylor | $1,469 | $2,439 |
| Walker Creek | $1,511 | $2,508 |
| Shongaloo | $2,434 | $3,374 |
| Cotton Valley | $2,298 | $3,185 |
Springhill, LA 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) | $1,994 |
| Excellent (740-799) | $2,276 |
| Good (670-739) | $2,422 |
| Average (580-669) | $3,159 |
| Poor (300-579) | $3,791 |
Springhill, LA 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 |
|---|---|---|---|
| Boucher & Slack Insurance Agency, Inc. | None | 127 N Main St, Springhill, 71075 | None |
| Kraig Wood | Allstate | 9478 Mansfield Rd, Shreveport, 71118 | (318) 688-8888 |
| Wesley Eckles | State Farm | 6121 Hearne Ave, Shreveport, 71108-4319 | 318-635-6487 |
| Dennis Bamburg | Allstate | 1814 Jimmie Davis Hwy Ste A, Bossier City, 71112 | (318) 747-6470 |
| Matt Keifer | State Farm | 3026 Bert Kouns Ind Loop, Shreveport, 71118-3023 | 318-688-7777 |
| Cassius Burrell | State Farm | 680 Bert Koun Loop, Shreveport, 71118-5701 | 318-687-3822 |
| Pace Insurance Managers, Inc. | None | 408 North Arkansas, Springhill, 71075 | None |
| Arthur J Gallagher Risk Management Services Inc | Liberty Mutual Independent | 9220 Ellerbe Rd. 9220 Ellerbe Rd., Shreveport, 71106 | None |
| Arthur J Gallagher Risk Management Services Inc | Liberty Mutual Independent | 9220 Ellerbe Rd. 9220 Ellerbe Rd., Shreveport, 71106 | None |
| Val Tucker | State Farm | 713 S Pine St, Vivian, 71082-3351 | 318-375-3497 |
Springhill, LA 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 | +$102 | $2,426 |
| Driver's Failure In Showing Documents | +$225 | $2,549 |
| Driving With An Expired Registration | +$239 | $2,563 |
| Driving At A Considerably Slow Pace | +$504 | $2,828 |
| Using A Cellphone While Driving | +$532 | $2,856 |
| Running A Red Light | +$541 | $2,865 |
| Speeding | +$569 | $2,893 |
| Driving A Vehicle Without The Required Permission | +$723 | $3,047 |
| Driving With An Expired/Suspended License | +$1,566 | $3,890 |
Springhill, LA 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 | $2,231 |
| Active Disabling Device | $2,231 |
| Tracking Device | $2,185 |
| Passive Disabling Device | $2,161 |