Insurance rates are less east of 181. As to rates, at this point we have not seen a decrease. Regardless what this owner is paying, you need to get a quote. I would suggest calling Matt or Andy Malone at Malone Farmers Agenecy in Fairhope, 251-990-4000. They can give you a more accurate estimate. Myrick Agency is another group that can give you a quote, 251-517-5600.