Locating low-cost insurance for a car in Florida can normally be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare insurance rates so you're going to learn the quickest way to compare rates for a and obtain the best price possible.

Locating the best rates in Titusville is easy if you know what you're doing. If you have insurance now or just want to save money, you can use this information to lower your rates and possibly find even better coverage. You just need to know the proper way to compare rates online.

Lower rate quotes on car insurance with these ten discounts

Companies offering auto insurance do not advertise every policy discount in a way that's easy to find, so the list below details a few of the more well known as well as some of the hidden credits that may apply to you.Car insurance discounts

As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you could get a free car insurance policy, car insurance companies aren't that generous. But all discounts will reduce your overall premium however.

For a list of insurers that offer some of these discounts in Florida, follow this link.

All major car insurance companies make it easy to get prices for coverage directly from their websites. Obtaining pricing is pretty easy as you just enter your personal and coverage information as detailed in the form. After you submit the form the system requests your driving and credit reports and returns a price determined by many factors.

Using the web to get rate quotes helps simplify price comparisons, and it's necessary to get many rate quotes if you are searching for a lower rate.

In order to find out if lower rates are available, compare rates now from the companies shown below. If you have a policy now, it's recommended you input the insurance coverages exactly as shown on your declarations page. Doing this assures you will have rate quotes based on the exact same insurance coverage.

The companies in the list below can provide free rate quotes in Titusville, FL. If several companies are displayed, it's highly recommended you compare several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Titusville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,484 $742 $124
Chevrolet Malibu LT $1,440 $720 $120
Chevrolet Silverado LT Extended Cab 4WD $1,258 $629 $105
Dodge Grand Caravan Hero $1,264 $632 $105
Dodge Ram Quad Cab SLT 4WD $1,386 $693 $116
Ford Escape XLT 2WD $1,512 $756 $126
Ford F-150 Lariat Crew Cab 4WD $1,132 $566 $94
Ford Focus SE 2-Dr Coupe $1,466 $733 $122
Ford Fusion Sport 4-Dr Sedan $1,192 $596 $99
GMC Sierra SLE Regular Cab 2WD $1,108 $554 $92
Honda Accord LX 4-Dr Sedan $1,252 $626 $104
Honda CR-V EX-L 2WD $1,414 $707 $118
Honda Civic DX 4-Dr Sedan $1,082 $541 $90
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,524 $762 $127
Nissan Altima Hybrid 4-Dr Sedan $1,958 $979 $163
Nissan Rogue SL AWD $1,232 $616 $103
Toyota Camry Hybrid $1,866 $933 $156
Toyota Corolla XLE $1,750 $875 $146
Toyota Prius $1,388 $694 $116
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in your specific Titusville location which can revise rates greatly.

Deductible analysis

The example below demonstrates how deductibles and can increase or decrease Chevrolet Malibu annual premium costs for different age groups of insureds. The premiums assume a single male driver, full coverage, and no discounts are applied to the premium.

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

How accidents and violations affect rates

The information below shows how violations and at-fault collisions raise Kia Optima insurance costs for different categories of driver ages. The premiums assume a single female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

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

Where to set your deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The following tables determine the differences in price when you choose different policy deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.

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

Kia Optima insurance 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 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 based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Prices do not factor in specific garaging location which can alter price quotes considerably.

We can derive from the above data that using a $250 deductible costs an average of $17 more each month or $204 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file 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 more than likely save some money if you choose a higher deductible.

Independent versus exclusive auto insurance agents

Certain consumers just want to go talk to an agent and that is OK! Agents are trained risk managers and will help you if you have claims. The best thing about price shopping on the web is that you can obtain lower premium rates but also keep your business local.

Titusville insurance agentsTo make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to agents in your area who want to provide quotes for your coverage. You don't have to even leave your home due to the fact that quote results will go to you directly. If you have a need to compare prices for a specific company, you would need to search and find their rate quote page and submit a quote form there.

Picking the best company should depend on more than just a cheap quote. Before buying a policy in Titusville, get answers to these questions.

Car insurance coverages

Knowing the specifics of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage protection

Collision coverage covers damage to your vehicle caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, sideswiping another vehicle, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Coverage for liability

Liability coverage protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 10/20/10 which stand for a $10,000 limit per person for injuries, a total of $20,000 of bodily injury coverage per accident, and property damage coverage for $10,000.

Liability can pay for claims such as attorney fees, repair costs for stationary objects, emergency aid, loss of income and court costs. How much liability should you purchase? That is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. Florida state minimum liability requirements are 10/20/10 but it's recommended drivers buy more coverage.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass and fire damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle's occupants when the "other guys" either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as damage to your vehicle.

Due to the fact that many Florida drivers only purchase the least amount of liability that is required (10/20/10 in Florida), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for EMT expenses, doctor visits and dental work. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Cheaper auto insurance rates are possible

Cheap auto insurance in Titusville can be purchased on the web and from local agencies, so get free Titusville car insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who may not provide rates over the internet and many times these regional insurance providers work with independent agents.

Drivers leave their current company for a number of reasons such as unfair underwriting practices, not issuing a premium refund, poor customer service and extreme rates for teen drivers. It doesn't matter why you want to switch finding a new auto insurance company is not as difficult as it may seem.

When getting Titusville car insurance quotes online, make sure you don't reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

More detailed auto insurance information is located at these sites: