Do you want to save money by buying the cheapest auto insurance rates in Bradenton, FL? Frustrated by the crazy number of auto insurance choices available to you? Many other people are as well. You have such a vast assortment of choices available that it can quickly become a ton of work to lower your premium rates. Bradenton is a good city to live in, but trying to pay high auto insurance rates can make it difficult for lots of drivers to stay on budget.

Sad but true, 70% of consumers renewed their policy with the same company for at least four years, and practically 40% of auto insurance customers have never compared rates with other companies. Consumers in Bradenton could save up to 55% every year, but most tend to underestimate the amount of savings they would get if they switched.

Locating the best rates in Bradenton is actually very simple if you learn how to start. In essence, every driver who is looking for cheaper car insurance most likely will find better rates. But Florida car owners need to have an understanding of how companies charge you for coverage because it varies considerably.

Cheap car insurance in Bradenton, FL

The companies shown below offer free quotes in Florida. To find cheap auto insurance in Florida, we recommend you compare several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Bradenton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $1,300 $650 $108
Dodge Ram Crew Cab Sport 2WD $1,526 $763 $127
Ford Edge Limited 2WD $952 $476 $79
Ford Escape Limited 4WD $1,382 $691 $115
Ford Explorer Limited 4WD $1,348 $674 $112
Ford F-150 Lariat King Ranch 4WD $1,238 $619 $103
Ford Focus S 4-Dr Sedan $1,082 $541 $90
Honda Accord EX 4-Dr Sedan $914 $457 $76
Honda CR-V EX-L 2WD $938 $469 $78
Honda Civic EX 4-Dr Sedan $1,866 $933 $156
Hyundai Sonata SE 4-Dr Sedan $1,232 $616 $103
Jeep Wrangler Rubicon 4WD 2-Dr $1,246 $623 $104
Kia Optima SX $1,496 $748 $125
Mazda 3 I SV 4-Dr Sedan $1,100 $550 $92
Nissan Altima 3.5 SR 2-Dr Coupe $1,160 $580 $97
Toyota Camry SE $1,374 $687 $115
Toyota Corolla LE $1,344 $672 $112
Volkswagen Jetta S 2.5 Station Wagon $1,180 $590 $98
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in garaging location in Bradenton which can increase or decrease premium rates significantly.

Higher deductibles save money

The chart below demonstrates how deductibles and can raise or lower Hyundai Sonata annual premium costs for different age groups. Data assumes a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Can higher deductibles save money?

A question often asked by Bradenton drivers is how low should you set your deductibles. The following tables help summarize how much more rates are between high and low deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

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

Nissan Altima insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $322 $544 $418 $24 $124 $1,457 $121
Altima 2.5 S 4-Dr Sedan $322 $640 $418 $24 $124 $1,553 $129
Altima Hybrid 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Altima 2.5 S 2-Dr Coupe $364 $640 $472 $28 $142 $1,671 $139
Altima 3.5 SR 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Altima 3.5 SR 2-Dr Coupe $364 $736 $472 $28 $142 $1,767 $147
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Nissan Altima insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $200 $342 $418 $24 $124 $1,108 $92
Altima 2.5 S 4-Dr Sedan $200 $402 $418 $24 $124 $1,168 $97
Altima Hybrid 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
Altima 2.5 S 2-Dr Coupe $224 $402 $472 $28 $142 $1,268 $106
Altima 3.5 SR 4-Dr Sedan $224 $402 $418 $24 $124 $1,192 $99
Altima 3.5 SR 2-Dr Coupe $224 $464 $472 $28 $142 $1,330 $111
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in Bradenton location which can revise premium rates greatly.

Based on this data, using a $250 deductible costs approximately $33 more each month or $396 for a full year than selecting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 23 months between claim filings, you would save more money going with the higher deductible. The table below illustrates an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $134
Average monthly premium for $1,000 deductibles (subtract): - $101
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One thing to note is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a claim. You need some savings in the event you need to pay more for the deductible.

Discounts for cheap insurance rates

Companies offering auto insurance don't always publicize the entire discount list in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous discounts you could be receiving when you buy Bradenton car insurance online.Insurance discounts

Consumers should know that some credits don't apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, companies don't profit that way. Any amount of discount should help reduce your policy premium.

A list of insurance companies and a summarized list of policyholder discounts are detailed below.

Before purchasing a policy, check with each insurance company which discounts you qualify for. Some discounts listed above might not apply in your area.

Buyer beware of auto insurance advertising tricks

Respected companies like Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. All the ads make the same claim about saving some big amount if you move your policy. How does every auto insurance company have lower policy pricing? This is the way they can do it.

Most companies are able to cherry pick for the driver that will be a good risk. An example of a preferred risk should be over the age of 45, carries high limits, and drives newer vehicles. Someone that meets those criteria will probably get the lowest premium rates and will most likely save quite a bit of money when switching.

Consumers who don't measure up to the "perfect" profile may be forced to pay higher prices which results in business not being written. Company advertisements say "people that switch" but not "all drivers who get quotes" can save as much as they claim. That's why insurance companies can make those claims. That is why you really need to quote coverage with many companies. It's not possible to predict which company will provide the lowest auto insurance in Bradenton.

Don't give up on affordable rates

People leave their current company for many reasons like questionable increases in premium, high prices, unfair underwriting practices and extreme rates for teen drivers. Whatever your reason, choosing a new company can be pretty painless.

We've covered a lot of ways to compare insurance premium rates in Bradenton. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding inexpensive Bradenton car insurance quotes. Consumers could even find that the lowest premium rates are with a smaller regional carrier.

Cost effective insurance can be found both online in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates. A few companies don't offer the ability to get a quote online and these smaller providers work with independent insurance agents.

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