Has it been over a year since you last compared quotes for low-cost insurance rates in Royal Palm Beach, FL? Royal Palm Beach buyers have many options when searching for the lowest priced car insurance. They can either waste time struggling with agents trying to get quotes or utilize the internet to get rate quotes. There are more efficient ways to buy insurance so we're going to tell you the best way to quote coverages for a and obtain the best price possible from both online companies and Royal Palm Beach agents.

Buying the cheapest car insurance in Royal Palm Beach seems hard but is not really that difficult. If you are insured now, you will most likely be able to buy cheaper car insurance using these tips. Shoppers just need to use the most efficient way to compare company rates online.

The car insurance companies shown below have been selected to offer free quotes in Florida. To locate cheaper car insurance in Florida, it's a good idea that you compare several of them to get the best price comparison.

Insurance Cost Estimates for Popular Vehicles in Royal Palm Beach
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $1,324 $662 $110
Chevrolet Equinox LT 2WD $1,626 $813 $136
Chevrolet Malibu LTZ $1,212 $606 $101
Chevrolet Silverado LT Extended Cab 4WD $1,626 $813 $136
Dodge Ram Crew Cab ST 4WD $1,568 $784 $131
Ford Edge SEL AWD $1,384 $692 $115
Ford Escape Limited 4WD $1,200 $600 $100
Ford Explorer Eddie Bauer 2WD $1,288 $644 $107
Ford F-150 XLT Super Cab 4WD $1,556 $778 $130
Ford Focus SE 2-Dr Coupe $1,090 $545 $91
Honda Accord EX 2-Dr Coupe $1,112 $556 $93
Honda CR-V EX-L 2WD $842 $421 $70
Honda Civic VP 4-Dr Sedan $1,138 $569 $95
Honda Odyssey EX $1,268 $634 $106
Jeep Grand Cherokee Laredo 4WD $990 $495 $83
Nissan Altima 3.5 SR 4-Dr Sedan $1,346 $673 $112
Toyota Camry LE $1,148 $574 $96
Toyota Corolla XLE $1,164 $582 $97
Toyota Prius $1,590 $795 $133
Volkswagen Jetta SE 2.5 Station Wagon $1,612 $806 $134
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in specific location information which can decrease or increase price quotes greatly.

Royal Palm Beach insurance premiums for males versus females

The example below shows the comparison of auto insurance rates for male and female drivers in Royal Palm Beach. The rate quotes are based on a clean driving record, no claims, full coverage, $500 deductibles, drivers are single, and no policy discounts are applied on a Nissan Sentra 2.0 SL.

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

Buying the right vehicle insurance in Florida is an important decision

Despite the high insurance cost in Royal Palm Beach, maintaining insurance serves a purpose in several ways.

The benefits of carrying adequate insurance are definitely more than the cost, especially for larger claims. Despite what companies tell you, the average driver overpays as much as $825 a year so compare rate quotes at least once a year to be sure current rates are still competitive.

Brand name doesn't guarantee savings

Consumers in Florida can't get away from ads that claim the lowest auto insurance rates from the likes of State Farm and Allstate. They all advertise the message that drivers can save some big amount after switching to them.

How does every company charge less that you're paying now? This is the way they can do it.

All the different companies quote their best rates for the type of customer that earns them the highest profit. For example, this type of risk profile might be over the age of 35, owns a home, and drives a vehicle with a low ISO rating. A driver that fits those parameters gets the lowest auto insurance rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don't qualify for the ideal profile must pay a more expensive rate and the customer not purchasing. The ads say "people that switch" not "all people who quote" can save as much as they claim. That's the way companies can truthfully advertise the savings. This really drives home the point why you should compare quotes as often as possible. It's not possible to predict which insurance companies will have the best rates at this point in time.

Take these seven policy discounts and save on auto insurance

Some insurers don't always publicize every discount they offer in an easy-to-find place, so the below list has some of the more common as well as some of the hidden auto insurance savings.Discount auto insurance

We need to note that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like it's possible to get free car insurance, it just doesn't work that way.

To see a list of insurers who offer auto insurance discounts in Florida, click here.

Which policy gives me the best coverage?

Always keep in mind that when comparing insurance from an agent or online, there is no "perfect" insurance plan. Everyone's needs are different so this has to be addressed.Safe vehicles cost less to insure These are some specific questions might help in determining if you will benefit from professional help.

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Auto insurance claim statistics

Which makes and models have the most claims? The tables below show the highest and lowest cars and trucks for overall likelihood of having to file claims for each type of coverage listed.

Car Insurance Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Chevrolet Sonic
Tesla Model S Mitsubishi Mirage
Ford F-350 SuperCrew Hyundai Accent
Chevrolet Silverado 2500 Mitsubishi Lancer
Land Rover Range Rover Sport Nissan Versa
Audi A4 Allroad Kia Forte

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car Insurance Comprehensive Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Audi S7
GMC Sierra 2500 BMW M6
Volvo V60 Maserati Granturismo
Infiniti QX50 Porsche Panamera GTS
Nissan Leaf Bentley Continental GT
Nissan Xterra Bentley Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Manufacturer Models with the Lowest and Highest Auto Insurance Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Chrysler 200
Chevrolet Corvette Hyndai Accent
Subaru Outback Chevrolet Impala
Volvo XC60 Mitsubishi Mirage
Subaru Forester Mitsubishi Lancer
Acura MDX Kia Optima

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW 6 Series
Jeep Wrangler Audi RS7
Ford F-250 SuperCab Ferrari 458
GMC Canyon Maserati Ghibli
Ford Edge BMW M6
Mini Cooper Bently Continental GT

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Learn about auto insurance coverages

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on the average auto insurance policy.

Medical expense insurance - Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) - Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hitting a bird, a broken windshield and damage from flooding. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Liability - Liability coverage can cover damages or injuries you inflict on a person or their property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 10/20/10 that means you have $10,000 bodily injury coverage, $20,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, loss of income, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible. Florida state minimum liability requirements are 10/20/10 but it's recommended drivers buy more coverage.

Collision coverages - This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Since a lot of drivers carry very low liability coverage limits (10/20/10 in Florida), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

In the end, you can save money

While you're price shopping online, make sure you don't buy poor coverage just to save money. There are too many instances where someone sacrificed collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the best price, but don't skip important coverages to save money.

Cheaper auto insurance in Royal Palm Beach can be purchased on the web and with local Royal Palm Beach insurance agents, and you should be comparing both to get a complete price analysis. Some companies may not offer rates over the internet and most of the time these regional insurance providers work with independent agents.

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