I can't think of a single person who looks forward to buying auto insurance, especially when they are aware that the cost is too high.
Amazingly, a recent NerdWallet.com study showed that a large majority of consumers renewed their policy with the same company for at least the last four years, and virtually 40% of consumers have never shopped around. Consumers in Safety Harbor could save $1,100 a year just by shopping around, but most just don't grasp how much they could save if they bought a different policy. People have many car insurance companies to pick from, and although it's a good thing to have a choice, more choices can make it harder to compare rates and find the lowest cost auto insurance.
You need to shop coverage around on a regular basis because auto insurance prices change regularly. Despite the fact that you may have had the lowest price on auto insurance two years ago a different company probably has better rates today. There is lot of inaccurate information about auto insurance online, but in this article, you're going to get a bunch of ideas how to find affordable auto insurance in Safety Harbor.
Locating the most cost-effective auto insurance policy in Safety Harbor can be much easier if you know how to start. If you already have coverage or just want to save money, take advantage of these tips to find the best rates while maintaining coverages. Smart buyers just need to use the least time-consuming way to compare insurance rates from many different companies online.
Companies offering cheap rate quotes in Safety Harbor, FL
The providers in the list below can provide free quotes in Safety Harbor, FL. If multiple companies are shown, we suggest you compare several of them to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LTZ||$1,314||$657||$110|
|Chevrolet Malibu LT||$1,436||$718||$120|
|Chevrolet Silverado LT Regular Cab 2WD||$1,714||$857||$143|
|Dodge Ram Quad Cab TRX4 Off Road 4WD||$1,258||$629||$105|
|Ford Escape XLT 2WD||$1,252||$626||$104|
|Ford F-150 STX Regular Cab 2WD||$1,178||$589||$98|
|Ford Focus SES 2-Dr Coupe||$1,420||$710||$118|
|GMC Sierra SL Crew Cab 2WD||$1,372||$686||$114|
|Honda Accord LX-P 4-Dr Sedan||$934||$467||$78|
|Honda CR-V LX 4WD||$1,164||$582||$97|
|Honda Civic SI 4-Dr Sedan||$1,452||$726||$121|
|Kia Optima LX||$1,184||$592||$99|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,260||$630||$105|
|Toyota Camry SE||$1,042||$521||$87|
|Toyota Corolla LE||$1,400||$700||$117|
|Get Your Own Custom Quote Go|
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Table data does not factor in vehicle garaging location which can decrease or increase prices greatly.
Gender differences in auto insurance premiums
The illustration below shows the comparison of yearly insurance costs for male and female drivers in Safety Harbor. The prices are based on no claims or driving citations, full coverage, $250 deductibles, drivers are single, and no other discounts are factored in on a Ford Fusion SEL AWD.
Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
You may qualify for discounts
Some insurance providers don't necessarily list all possible discounts very well, so here is a list both the well known and the harder-to-find discounts that may be available.
- Seat Belts Save - Drivers who require all occupants to buckle up could cut 10% or more off the medical payments premium.
- Discount for Life Insurance - Not all companies offer life insurance, but some may give you lower prices if you buy auto and life insurance together.
- Save over 55 - Older drivers can get reduced rates.
- Student in College - Youth drivers who live away from home to go to college and won't have access to an insured vehicle could get you a discount.
- Smart Student Discounts - Being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
As is typical with insurance, some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as liability, collision or medical payments. Even though it appears it's possible to get free car insurance, companies don't profit that way.
A partial list of companies that possibly offer some of the discounts shown above possibly include:
Check with each insurance company which discounts can lower your rates. Some discounts may not be offered in Safety Harbor. To see a list of companies that provide some of the discounts listed above in Safety Harbor, click this link.
Auto insurance advertising gotchas
Florida drivers constantly see and hear ads that promise big savings by companies like State Farm and Allstate. All the ads advertise claims about saving some big amount if you switch your coverage.
But how can every company give you a better price on auto insurance? It's all in how they say it.
Auto insurance companies offer their best rates for the type of driver that will be a good risk. A good example of a profitable risk profile may need to be over the age of 35, has no driving citations, and has a high credit rating. Any person that hits that "sweet spot" receive the lowest rate quotes in Safety Harbor and as a result will probably pay quite a bit less when switching companies.
Insureds who fall short of this ideal profile may be forced to pay a higher rate which leads to the driver buying from a lower-cost company. The trick is to say "drivers that switch" not "all people who quote" save that kind of money. That's the way companies can make those claims. This really illustrates why drivers should compare rate quotes every year. It is impossible to predict which insurance companies will have the best prices for your profile.
Compare car insurance prices regularly to save
We just showed you some good ideas how you can compare car insurance rates in Safety Harbor. It's most important to understand that the more rate quotes you have, the better likelihood of getting cheaper Safety Harbor auto insurance quotes. Consumers may even find the most savings is with the smaller companies. These smaller insurers may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Progressive and GEICO.
As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice collision coverage to discover at claim time that the savings was not a smart move. Your goal should be to get the best coverage possible at the best possible price, not the least amount of coverage.
A few companies don't offer the ability to get quotes online and usually these smaller providers provide coverage only through local independent agents. Budget-friendly car insurance in Safety Harbor is possible online and from local insurance agents, so you need to compare both to have the best selection.
Additional car insurance information can be found on the following sites: