Cutting costs on auto insurance could be challenging for drivers not familiar with shopping for insurance online. Consumers have so many choices that it can turn into a ton of work to find more affordable auto insurance rates.

Unthinkable but true, most auto insurance policyholders have been with the same company for over three years, and practically 40% of auto insurance customers have never compared rates from other carriers. The average driver in Florida can save hundreds of dollars each year by just comparing quotes, but they underestimate the big savings they would realize if they moved their coverage to a different company.

This article will introduce you to how auto insurance companies operate and also save some money in the process If you have insurance now, you stand a good chance to be able to find the best rates using these methods. But Florida consumers need to learn how the larger insurance companies determine prices and use this information to your advantage.

The best way to compare policy rates is to know most of the larger companies provide online access to give rate comparisons. The one thing you need to do is give them some information like whether you drive to work or school, the make and model of your vehicles, whether you are single or married, and if you lease or own. The rating information is instantly submitted to multiple car insurance providers and you will get price comparisons immediately.

If you would like to compare rates now, click here and find out if you can get cheaper insurance in Apopka.

The companies shown below are ready to provide price quotes in Florida. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Apopka
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,132 $566 $94
Dodge Grand Caravan SE $1,516 $758 $126
Dodge Ram Quad Cab ST 2WD $1,344 $672 $112
Ford Escape Limited 2WD $1,006 $503 $84
Ford F-150 XL Regular Cab 4WD $1,186 $593 $99
Ford Focus SE 2-Dr Coupe $1,244 $622 $104
Honda Accord LX 4-Dr Sedan $822 $411 $69
Honda CR-V LX 2WD $1,110 $555 $93
Honda Civic LX 2-Dr Coupe $1,364 $682 $114
Hyundai Sonata GLS 4-Dr Sedan $1,534 $767 $128
Mazda 3 S Sport 4-Dr Sedan $1,042 $521 $87
Nissan Altima 2.5 4-Dr Sedan $1,274 $637 $106
Toyota Camry LE $1,660 $830 $138
Toyota Corolla XLE $1,572 $786 $131
Volkswagen Jetta S 4-Dr Sedan $1,310 $655 $109
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in vehicle location which can impact premiums significantly.

Where to set your deductibles

When shopping for car insurance, a common question is which deductibles should you choose. The premium rates below can help illustrate the difference in cost when you choose different deductibles. The first data table uses a $100 deductible and the second set of rates uses a $500 deductible.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Pilot insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $358 $532 $418 $24 $124 $1,481 $123
Pilot EX 2WD $406 $532 $418 $24 $124 $1,529 $127
Pilot EX 4WD $406 $532 $418 $24 $124 $1,529 $127
Pilot EX-L 2WD $406 $648 $418 $24 $124 $1,645 $137
Pilot EX-L 4WD $406 $648 $418 $24 $124 $1,645 $137
Pilot Touring 2WD $406 $648 $418 $24 $124 $1,645 $137
Pilot Touring 4WD $406 $648 $418 $24 $124 $1,645 $137
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Honda Pilot insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $262 $360 $418 $24 $124 $1,188 $99
Pilot EX 2WD $296 $360 $418 $24 $124 $1,222 $102
Pilot EX 4WD $296 $360 $418 $24 $124 $1,222 $102
Pilot EX-L 2WD $296 $438 $418 $24 $124 $1,300 $108
Pilot EX-L 4WD $296 $438 $418 $24 $124 $1,300 $108
Pilot Touring 2WD $296 $438 $418 $24 $124 $1,300 $108
Pilot Touring 4WD $296 $438 $418 $24 $124 $1,300 $108
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in your specific Apopka location which can decrease or increase coverage rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $27 more each month or $324 each year than choosing the higher $500 deductible. Because you would be required to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to have at least 15 months between claim filings, you would probably save some money by going with a higher deductible.

Raise deductibles and save

The information below demonstrates how deductibles and can affect Kia Optima insurance costs for each different age category. The data is based on a married male driver, full coverage, and no policy discounts are applied.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Best and worst vehicle claim statistics

Do you own a vehicle likely to have a claim? The following tables list the highest and lowest manufacturer models for the probability of having to file claims for each type of coverage.

Bodily Injury Liability Claims by Vehicle
Lowest Claims Highest Claims
Acura MDX Mitsubishi Mirage
Audi A6 Mitsubishi Lancer
Chevrolet Corvette Kia Rio
Mercedes-Benz SL Class Kia Optima
Volvo XC60 Chrysler 200
Fiat 500 Dodge Charger

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Collision Claims
Lowest Claims Highest Claims
Nissan Xterra BMW M6
Smart ForTwo BMW 6 Series
Ford F-250 SuperCab Bently Continental GTC
Mini Cooper Audi RS7
Ford F-150 SuperCrew Ferrari 458
Chevrolet Colorado Bently Continental GT

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Claims Highest Claims
Volvo V60 Audi S7
Smart ForTwo BMW M6
Chevy Silverado 2500 Bentley Continental GTC
Ford F-350 Maserati Quattroporte
Chevy Spark Maserati Granturismo
Nissan Xterra BMW M6

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Chevrolet Silverado 3500 Mitsubishi Mirage
Chevrolet Silverado 2500 Dodge Charger
Ford Expedition Hyundai Accent
Audi A4 Allroad Chrysler 200
Chevrolet Corvette Nissan Versa
Land Rover Range Rover Sport Nissan Sentra

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years