If you're new to shopping for Fort Myers auto insurance quotes online, you may be overwhelmed thanks to the huge assortment of insurers all offering big savings in Fort Myers.

A recent survey discovered that most consumers in Florida have purchased from the same company for at least four years, and approximately 40% of consumers have never compared rates to find cheaper insurance. American consumers could save themselves up to 46.5% a year by just comparing quotes, but they just don't want to shop around.

Consumers should take time to compare rates yearly because prices change quite often. Even if you got the best deal on car insurance last year you can probably find a lower rate today. Forget all the misinformation about car insurance because you're going to learn the easiest way to save money, get proper coverage and the best rates.

Take advantage of these discounts

Car insurance can cost a lot, but you may qualify for discounts to help offset the cost. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be asked about before they will apply.Cheaper auto insurance with discounts

Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, it just doesn't work that way. But all discounts will lower your policy premium.

A few companies that may have these benefits may include but are not limited to:

When comparing rates, check with every insurance company which discounts can lower your rates. All car insurance discounts may not apply to policies in your state. For a list of providers with significant discounts in Florida, click here.

Keep in mind that comparing all the rates in your area helps locate more affordable insurance. Some companies don't provide online quotes, so it's important to also get price estimates from them as well.

The companies shown below offer price comparisons in Fort Myers, FL. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Fort Myers
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $1,700 $850 $142
Chevrolet Silverado LS Extended Cab 4WD $1,478 $739 $123
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,430 $715 $119
Ford Escape XLS 2WD $1,206 $603 $101
Ford Explorer Eddie Bauer 4WD $1,700 $850 $142
Ford F-150 FX2 Super Cab 2WD $1,050 $525 $88
Ford Focus SEL 4-Dr Sedan $1,298 $649 $108
Honda Accord LX-P 4-Dr Sedan $1,224 $612 $102
Honda CR-V LX 2WD $1,206 $603 $101
Honda Civic EX 2-Dr Coupe $1,800 $900 $150
Hyundai Elantra SE Touring Station Wagon $892 $446 $74
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,510 $755 $126
Kia Optima EX $1,258 $629 $105
Mazda 3 S Grand Touring 4-Dr Sedan $1,378 $689 $115
Nissan Altima 3.5 SR 2-Dr Coupe $1,350 $675 $113
Toyota Camry Hybrid $2,056 $1,028 $171
Toyota Corolla S $1,168 $584 $97
Toyota Prius $1,722 $861 $144
Volkswagen Jetta 2.0T Station Wagon $1,516 $758 $126
Get Your Own Custom Quote Go

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in garaging location in Fort Myers which can raise or lower premiums significantly.

Deductible comparison

The illustration below highlights how deductible choice and can raise or lower Ford F-150 annual premium costs for each age group. The information is based on a married male driver, comp and collision included, and no policy discounts are applied.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Impact of careless driving on Fort Myers auto insurance rates

The information below demonstrates how speeding tickets and fender-benders impact Hyundai Elantra auto insurance rates for different age groups. The prices are based on a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Which is the best car insurance?

When buying the best car insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Everyone's situation is unique and your car insurance should be unique as well.Drive safe and save These are some specific questions might help in determining if your situation would benefit from professional advice.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance agents are professional risk managers

A small number of people would rather sit down with an agent and that is a smart decision A nice benefit of getting free rate quotes online is that you can obtain cheap car insurance rates but also keep your business local. And buying from neighborhood insurance agencies is especially important in Fort Myers.

Insurance agents in Fort MyersUpon completion of this short form, your insurance data is emailed to local insurance agents who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to find an agent on your own since rate quotes are delivered directly to you. Get lower rates AND a local agent. If you wish to compare prices from a particular provider, just go to their quote page and complete a quote there.

Choosing an company requires you to look at more than just a cheap quote. Here are some questions you should ask.

Best and worst vehicle claim statistics

Which vehicle models have a high chance of claims? The next tables outline the good and bad vehicle models for the overall chance of having to file claims for each type of coverage.

Comprehensive Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 BMW M6
Nissan Xterra Bentley Continental GTC
Chevy Silverado 2500 Bentley Continental GT
Nissan Leaf Porsche Panamera GTS
Volvo V60 Audi S7
Ford F-350 Maserati Quattroporte

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

Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Land Rover Range Rover Sport Mitsubishi Mirage
Chevrolet Corvette Hyundai Accent
Tesla Model S Dodge Charger
Chevrolet Silverado 2500 Chevrolet Spark
Audi A4 Allroad Nissan Versa
Ford F-350 SuperCrew Chevrolet Sonic

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

Liability Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Mitsubishi Mirage
Fiat 500 Dodge Charger
Subaru Outback Chevrolet Sonic
Volvo XC60 Mitsubishi Lancer
Subaru Forester Chevrolet Impala
Acura MDX Chevrolet Cruze

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

Collision Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew Maserati Ghibli
Nissan Xterra Nissan GT-R
Chevrolet Colorado Maserati Granturismo
Ford Edge Ferrari 458
Mini Cooper Bentley Continental Flying Spur
GMC Canyon BMW 6 Series

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

Cheaper coverage is out there

When shopping online for insurance, it's not a good idea to reduce needed coverages to save money. In many instances, an accident victim reduced full coverage only to regret at claim time that it was a big error on their part. Your focus should be to get the best coverage possible at the best cost, but do not skimp to save money.

You just learned a lot of ways to find cheaper coverage online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive Fort Myers auto insurance quotes. You may even discover the lowest prices come from the smaller companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

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