Do you need a better way to compare more affordable car insurance rates in DeLand, FL? Paying for overpriced car insurance in DeLand can dwindle your savings and possibly require postponing other expenditures. Shopping your coverage around is free and is an excellent way to ensure you are getting the best deal.
A recent car insurance study discovered that the vast majority of consumers kept their policy with the same company for over three years, and just under half have never even compared quotes to find cheap rates. American consumers could save $859 a year by just shopping around, but they think it's difficult to compare other rate quotes.
Numerous car insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurance companies to find the lowest price on car insurance.
You should make it a habit to check car insurance prices once or twice a year since insurance prices change quite often. Just because you had the best deal on car insurance at your last renewal a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the things you must know in order to buy cheaper car insurance.
If you currently have a car insurance policy, you will be able to find better prices using these methods. Locating the best insurance company for you in DeLand can be much easier if you know how to start. But Florida vehicle owners must understand how big insurance companies sell insurance online because it varies considerably.
Car insurance companies in DeLand
The companies shown below are ready to provide quotes in Florida. If multiple companies are shown, it's a good idea that you click on several of them to find the most affordable car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,536||$768||$128|
|Dodge Grand Caravan SXT||$1,632||$816||$136|
|Dodge Ram Crew Cab Sport 4WD||$1,732||$866||$144|
|Ford Escape Limited 2WD||$1,282||$641||$107|
|Ford F-150 XL Regular Cab 2WD||$1,244||$622||$104|
|Ford Focus SES 2-Dr Coupe||$1,232||$616||$103|
|Ford Fusion S 4-Dr Sedan||$1,594||$797||$133|
|Honda Accord EX-L 2-Dr Coupe||$1,404||$702||$117|
|Honda CR-V EX 4WD||$1,006||$503||$84|
|Honda Civic EX 2-Dr Coupe||$1,564||$782||$130|
|Honda Odyssey EX-L||$1,382||$691||$115|
|Hyundai Sonata SE 4-Dr Sedan||$1,624||$812||$135|
|Jeep Grand Cherokee Laredo 2WD||$1,480||$740||$123|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,592||$796||$133|
|Nissan Altima 2.5 4-Dr Sedan||$1,482||$741||$124|
|Toyota Camry Hybrid||$1,664||$832||$139|
|Toyota Corolla XLE||$1,502||$751||$125|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in DeLand location which can affect coverage rates greatly.
Where to set your deductibles
The illustration below highlights how deductible selection and can affect Ford Focus yearly insurance costs for different categories of driver ages. The premiums are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
When comparing auto insurance rates, the most common question is which comprehensive and collision deductibles to buy. The data tables below may help to conceptualize the cost difference between low and high physical damage deductibles. The first set of rates uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.
GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$312||$532||$418||$24||$124||$1,435||$120|
|Acadia SL AWD||$358||$532||$418||$24||$124||$1,481||$123|
|Acadia SLE 2WD||$358||$532||$418||$24||$124||$1,481||$123|
|Acadia SLE AWD||$358||$648||$418||$24||$124||$1,597||$133|
|Acadia SLT 2WD||$358||$648||$418||$24||$124||$1,597||$133|
|Acadia SLT AWD||$406||$648||$418||$24||$124||$1,645||$137|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Acadia SL 2WD||$174||$280||$418||$24||$124||$1,020||$85|
|Acadia SL AWD||$200||$280||$418||$24||$124||$1,046||$87|
|Acadia SLE 2WD||$200||$280||$418||$24||$124||$1,046||$87|
|Acadia SLE AWD||$200||$342||$418||$24||$124||$1,108||$92|
|Acadia SLT 2WD||$200||$342||$418||$24||$124||$1,108||$92|
|Acadia SLT AWD||$224||$342||$418||$24||$124||$1,132||$94|
|Get a Quote for Your Vehicle Go|
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in your specific DeLand location which can impact premiums significantly.
Based on the data above, we can derive that using a $100 deductible will cost you roughly $38 more each month or $456 each year than buying the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 24 months between claims, you would probably save some money if you choose a higher deductible.
Insurance rate increases from tickets or accidents
The information below demonstrates how traffic citations and at-fault accidents can drive up Toyota Corolla insurance rates for each age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
Don't overlook these ten car insurance discounts
Some insurance providers do not advertise their entire list of discounts very well, so we researched both the well known as well as some of the hidden discounts that you can inquire about if you buy DeLand car insurance online.
- Save over 55 - If you qualify as a senior citizen, you may be able to get a slight reduction on a DeLand car insurance quote.
- Professional Memberships - Belonging to qualifying clubs or civic groups could qualify you for a break on your policy.
- Cautious Drivers - Insureds without accidents can save up to 40% or more on their DeLand car insurance quote than their less cautious counterparts.
- Seat Belts Save - Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the personal injury premium cost.
- Accident Waiver - This one isn't a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual allow you one accident without getting socked with a rate hike if you are claim-free prior to the accident.
- Auto/Life Discount - Insurance carriers who offer life insurance give a discounted rate on car insurance if you buy a life policy as well.
- Passenger Safety Discount - Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.
- More Vehicles More Savings - Buying coverage for multiple cars on the same car insurance policy qualifies for this discount.
- Bundle and Save - If you have multiple policies with one insurance company you could earn a discount of at least 10% off all policies.
- Active Service Discounts - Having a family member in the military could qualify you for better car insurance rates.
As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce specific coverage prices like medical payments or collision. So even though they make it sound like it's possible to get free car insurance, you're out of luck.
To locate providers with the best car insurance discounts in DeLand in Florida, follow this link.
Car insurance coverage considerations
Learning about specific coverages of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages found on most car insurance policies.
Collision insurance pays for damage to your vehicle caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like rolling your car, scraping a guard rail, colliding with a tree, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your vehicle.
Since a lot of drivers have only the minimum liability required by law (which is 10/20/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Comprehensive coverage (or Other than Collision)
This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like a tree branch falling on your vehicle, a broken windshield, falling objects and theft. The most you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low it's not worth carrying full coverage.
Liability coverage will cover damage or injury you incur to other's property or people in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 10/20/10 which stand for a limit of $10,000 per injured person, a per accident bodily injury limit of $20,000, and $10,000 of coverage for damaged propery.
Liability can pay for things like pain and suffering, legal defense fees, attorney fees, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible. Florida requires minimum liability limits of 10/20/10 but you should think about purchasing better liability coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like chiropractic care, EMT expenses, rehabilitation expenses, nursing services and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
One last thing about your coverage
More affordable car insurance in DeLand is definitely available from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide rates over the internet and most of the time these small, regional companies sell through local independent agents.
We've covered many ways to save on car insurance in DeLand. The key thing to remember is the more you quote DeLand car insurance, the more likely it is that you will get a better rate. You may even discover the best rates are with some of the lesser-known companies. Some small companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like Allstate and Progressive.
Additional detailed information is available by following these links:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- Red Light Cameras (State Farm)