Do you need a better way to compare lower-priced auto insurance rates in Boca Raton, FL? Boca Raton consumers have options when looking for low-cost car insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to compare rates. There are both good and bad ways to shop for auto insurance so you're going to learn the proper way to compare rates on a and get the lowest possible price either online or from Boca Raton insurance agents.

If you have coverage now or are shopping for new coverage, use these tips to find better prices without reducing protection. The purpose of this post is to teach you how car insurance quotes work. You just need to understand the proper way to compare rates over the internet.

Auto insurance rates and discounts

Auto insurance can be pricey, but discounts can save money and there are some available that you may not know about. Some of these discounts will be visible at the time of purchase, but lesser-known reductions have to be specially asked for before you will receive the discount.Save money with discounts

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won't be that lucky.

To see insurers that offer some of these discounts in Florida, click here.

The auto insurance companies shown below are our best choices to provide price quotes in Florida. If multiple companies are shown, we suggest you visit several of them in order to find the cheapest rates.

Insurance Cost Estimates for Popular Vehicles in Boca Raton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,496 $748 $125
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,252 $626 $104
Ford Escape XLS 4WD $1,398 $699 $117
Ford F-150 STX Regular Cab 2WD $1,462 $731 $122
Ford Focus SES 2-Dr Coupe $1,412 $706 $118
GMC Sierra Denali Crew Cab 2WD $1,508 $754 $126
Honda Accord EX-L 2-Dr Coupe $1,110 $555 $93
Honda CR-V EX 2WD $932 $466 $78
Honda Civic Hybrid 4-Dr Sedan $1,810 $905 $151
Nissan Altima 2.5 S 2-Dr Coupe $1,484 $742 $124
Nissan Rogue SL AWD $1,410 $705 $118
Toyota Camry LE $1,264 $632 $105
Toyota Corolla LE $1,164 $582 $97
Toyota Prius $912 $456 $76
Toyota RAV4 2WD $1,102 $551 $92
Volkswagen Jetta SE 4-Dr Sedan $1,184 $592 $99
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price information does not factor in Boca Raton location which can decrease or increase premiums significantly.

Deductible analysis

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The tables below illustrate how much more rates are when you select higher and lower policy deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Camry insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $322 $544 $418 $24 $124 $1,457 $121
Camry SE $322 $640 $418 $24 $124 $1,553 $129
Camry XLE $322 $640 $418 $24 $124 $1,553 $129
Camry Hybrid $364 $640 $472 $28 $142 $1,671 $139
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Toyota Camry insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $200 $342 $418 $24 $124 $1,108 $92
Camry SE $200 $402 $418 $24 $124 $1,168 $97
Camry XLE $200 $402 $418 $24 $124 $1,168 $97
Camry Hybrid $224 $402 $472 $28 $142 $1,268 $106
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific location which can lower or raise coverage rates significantly.

Based on this data, using a $250 deductible will cost in the ballpark of $32 more each month or $384 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 23 months between claims, you would most likely save money if you opt for a higher deductible.

Careless drivers pay higher rates

The example below shows how speeding tickets and at-fault claims can increase Chevrolet Silverado auto insurance rates for different age groups. The premiums are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance rates by gender and age in Boca Raton

The illustration below illustrates the difference between insurance rates for male and female drivers in Boca Raton. The premium estimates are based on no claims or violations, comp and collision included, $250 deductibles, drivers are single, and no additional discounts are factored in on a Chevrolet Malibu Hybrid.

Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Components of your insurance rates

Smart consumers have a good feel for the different types of things that help calculate your insurance rates. If you have a feel for what impacts premium levels, this allows you to make good choices that could result in lower premium levels.

Auto insurance does more than just repair your car

Despite the fact that auto insurance is not cheap in Boca Raton, insuring your vehicle may be mandatory for several reasons.

First, just about all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a loan, it's guaranteed your bank will require you to buy insurance to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the bank may insure your vehicle at an extremely high rate and force you to pay the higher price.

Third, insurance protects not only your car but also your financial assets. It will also provide coverage for many types of medical costs that are the result of an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance more than cancel out the cost, particularly if you ever have a claim. On average, a vehicle owner in Boca Raton is overpaying more than $865 each year so compare rate quotes at least once a year to help ensure money is not being wasted.

Be persistent to save money

As you shop your coverage around, never skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the best cost, but don't skip important coverages to save money.

We just presented many ways to find cheaper coverage online. It's most important to understand that the more times you quote, the better your chances of lowering your rates. You may even discover the lowest prices come from a lesser-known regional company.

Consumers leave their current company for many reasons like high rates after DUI convictions, questionable increases in premium, policy cancellation or policy non-renewal. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

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