Would you like an easy way to compare lower-priced auto insurance rates in Lynn Haven, FL? Are you regretting buying an underperforming, overpriced auto insurance policy? You're in good company because there are lots of Lynn Haven residents who feel the same.

Amazingly, the majority of drivers renewed their policy with the same company for a minimum of four years, and nearly 40% of drivers have never shopped around. U.S. drivers could save about 46.5% every year by just comparing quotes, but they just don't want to compare rates and save money.

Big-name insurance companies like Allstate and Progressive all promote huge savings with fancy advertisements and it is difficult to see through the deception and find the best price available.

You should make it a habit to do price comparisons every six months because insurance rates are variable and change quite frequently. Just because you found the lowest premium rates on auto insurance two years ago the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because you're about to find out how to quote online to buy cheaper auto insurance.

Smart buyers can cut their insurance rates

Many different elements are part of the equation when premium rates are determined. Some are pretty understandable such as your driving history, but some are less obvious such as your credit history and annual miles driven.

There are several ways to obtain and compare prices from insurance companies in your area. The easiest way by far to lower the rate you pay for insurance is to get quotes online.

It's so simple to compare insurance rate quotes online makes it a waste of time to spend your day driving to local Lynn Haven insurance agencies. Comparing insurance rate quotes online eliminates the need for an insurance agent unless you prefer the advice and guidance that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to compare the best prices online but still have the advice of a local Lynn Haven agent. Just remember that comparing all the rates in your area increases your odds of finding the best offered rates.

The providers in the list below provide price comparisons in Florida. If more than one company is shown, it's a good idea that you get price quotes from several of them in order to find the cheapest rates.

Insurance Cost Estimates for Popular Vehicles in Lynn Haven
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $1,314 $657 $110
Chevrolet Silverado LT Regular Cab 2WD $1,328 $664 $111
Dodge Ram Quad Cab SLT 2WD $1,436 $718 $120
Ford Edge SEL AWD $1,126 $563 $94
Ford Escape Limited 4WD $1,176 $588 $98
Ford F-150 XLT Crew Cab 4WD $1,486 $743 $124
Ford Focus SES 4-Dr Sedan $1,298 $649 $108
Ford Fusion Sport 4-Dr Sedan $1,560 $780 $130
GMC Sierra SL Extended Cab 2WD $1,594 $797 $133
Honda Accord EX-L 2-Dr Coupe $1,692 $846 $141
Honda CR-V EX 4WD $1,102 $551 $92
Honda Civic EX-L 4-Dr Sedan $1,228 $614 $102
Honda Odyssey EX-L W/Navigation $1,168 $584 $97
Jeep Wrangler Sport 4WD 2-Dr $1,008 $504 $84
Kia Optima SX $1,700 $850 $142
Mazda 3 S Sport 4-Dr Hatchback $1,356 $678 $113
Nissan Altima 3.5 SR 2-Dr Coupe $1,290 $645 $108
Toyota Camry Hybrid $1,700 $850 $142
Toyota Corolla XRS $1,184 $592 $99
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in specific location information which can alter auto insurance rates greatly.

Policy deductible comparison

When shopping for auto insurance, a common question is how high should the physical damage deductibles be. The rates below can help you visualize how much more rates are between low and high physical damage deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $500 deductible.

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

Kia Optima insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $322 $544 $472 $28 $142 $1,533 $128
Optima EX $364 $640 $472 $28 $142 $1,671 $139
Optima SX $364 $640 $472 $28 $142 $1,671 $139
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Kia Optima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $262 $438 $472 $28 $142 $1,342 $112
Optima EX $296 $516 $472 $28 $142 $1,454 $121
Optima SX $296 $516 $472 $28 $142 $1,454 $121
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific location information which can impact auto insurance rates noticeably.

We can estimate from the data above that using a $250 deductible costs about $17 more each month or $204 a year than choosing the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 15 months between claim filings, you would save more money if you opt for a higher deductible.

Choosing the best vehicle insurance in Florida is an important decision

Despite the high insurance cost in Lynn Haven, insuring your vehicle is required in Florida but it also protects you in many ways.

The benefits of carrying adequate insurance outweigh the cost, particularly if you ever have a claim. An average driver in America is overpaying more than $865 each year so compare rate quotes once a year at a minimum to save money.

Verify you're receiving every discount

Companies don't always publicize the entire discount list in an easy-to-find place, so we break down a few of the more well known as well as the least known savings tricks you should be using when you buy Lynn Haven auto insurance online.Cheaper auto insurance with discounts

Don't be surprised that most discounts do not apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies don't profit that way.

Insurance companies that possibly offer these benefits possibly include:

When quoting, ask all the companies the best way to save money. Some discounts listed above might not be available to policyholders in your area. To view companies with discount rates in Lynn Haven, click here to view.

When should I discuss my situation with an agent?

When quoting and comparing insurance from an agent or online, there really is not a one size fits all plan. Your financial needs are unique and your auto insurance should unique, too.Drive safe and save For instance, these questions can help discover if your insurance needs would benefit from professional advice.

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance claim statistics

Which vehicles have good claim ratings? The data below show the highest and lowest manufacturer models for the probability of filing claims for each type of coverage.

Lowest and Highest Collision Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Chevrolet Colorado Audi RS7
Ford F-150 SuperCrew BMW 6 Series
Smart ForTwo Maserati Granturismo
Jeep Wrangler Bentley Continental Flying Spur
GMC Canyon BMW M6
Nissan Xterra Nissan GT-R

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

Auto Insurance Liability Claims by Vehicle Model
Lowest Claims Highest Claims
Volvo XC60 Dodge Charger
Audi A6 Kia Optima
Chevrolet Corvette Kia Rio
Mercedes-Benz SL Class Chevrolet Sonic
Acura MDX Mitsubishi Lancer
Fiat 500 Mitsubishi Mirage

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

Vehicle Models with the Lowest and Highest Auto Insurance Comprehensive Claims
Lowest Claims Highest Claims
Chevy Silverado 2500 Maserati Quattroporte
Infiniti QX50 BMW M6
Ford F-350 BMW M6
Nissan Leaf Porsche Panamera GTS
Nissan Xterra Mercedes-Benz S Class
Volvo V60 Audi S7

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

Lowest and Highest Medical Payment Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Ford F-250 SuperCrew Dodge Charger
Ford Expedition Hyundai Accent
Chevrolet Silverado 3500 Mitsubishi Lancer
Ford F-350 SuperCrew Nissan Versa
Land Rover Range Rover Sport Chevrolet Sonic
Audi A4 Allroad Nissan Sentra

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

More effort can pay off

Cheap auto insurance in Lynn Haven is available on the web and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not offer the ability to get a quote online and many times these smaller companies work with local independent agencies.

As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at an affordable rate while still protecting your assets.

More information can be read at the links below