Would you prefer to buy more competitive car insurance rates in Davie, FL? Sick and tired of wondering where the money will come from to pay high car insurance rates every month? You are no different than millions of other vehicle owners.
It's astonishing, but a large majority of consumers have been with the same company for at least the last four years, and virtually 40% of consumers have never compared rates to find affordable insurance. The average driver in Florida can save hundreds of dollars each year, but they don't know the actual amount they would save if they switch to a new company. Because there are so many companies and agents to choose from, it can be hard to pick the lowest cost car insurance provider.
Best companies for Florida auto insurance
The providers in the list below are our best choices to provide comparison quotes in Davie, FL. In order to find the best cheap car insurance in Florida, we suggest you visit two to three different companies to get the most affordable price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Malibu LS||$1,446||$723||$121|
|Chevrolet Silverado LS Regular Cab 2WD||$1,164||$582||$97|
|Dodge Ram Quad Cab Sport 4WD||$1,478||$739||$123|
|Ford Escape XLS 4WD||$1,164||$582||$97|
|Ford F-150 XLT Regular Cab 2WD||$1,276||$638||$106|
|Ford Focus SE 4-Dr Sedan||$1,232||$616||$103|
|Honda Accord EX 4-Dr Sedan||$1,398||$699||$117|
|Honda CR-V EX-L 4WD||$1,446||$723||$121|
|Honda Civic EX 4-Dr Sedan||$1,480||$740||$123|
|Hyundai Elantra SE 4-Dr Sedan||$1,580||$790||$132|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,228||$614||$102|
|Nissan Rogue SL AWD||$1,624||$812||$135|
|Toyota Camry SE||$1,400||$700||$117|
|Toyota Corolla XRS||$1,372||$686||$114|
|Toyota RAV4 2WD||$1,660||$830||$138|
|Volkswagen Jetta S 2.5 Station Wagon||$1,292||$646||$108|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate information does not factor in vehicle garaging location which can modify insurance rates substantially.
Physical damage deductible comparison
One of the more difficult decisions when buying car insurance is which deductible level should you buy. The following tables approximate the cost difference of buying low and high policy deductibles. The first set of rates uses a $250 physical damage deductible and the second set of rates uses a $500 deductible.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$280||$544||$418||$24||$124||$1,415||$118|
|Civic VP 4-Dr Sedan||$280||$640||$418||$24||$124||$1,511||$126|
|Civic LX 4-Dr Sedan||$280||$640||$418||$24||$124||$1,511||$126|
|Civic DX 2-Dr Coupe||$280||$640||$522||$30||$156||$1,653||$138|
|Civic EX 4-Dr Sedan||$280||$640||$418||$24||$124||$1,511||$126|
|Civic LX-S 4-Dr Sedan||$280||$640||$418||$24||$124||$1,511||$126|
|Civic LX 2-Dr Coupe||$280||$736||$522||$30||$156||$1,749||$146|
|Civic EX-L 4-Dr Sedan||$322||$736||$418||$24||$124||$1,649||$137|
|Civic SI 4-Dr Sedan||$322||$736||$418||$24||$124||$1,649||$137|
|Civic EX 2-Dr Coupe||$322||$736||$522||$30||$156||$1,791||$149|
|Civic GX 4-Dr Sedan||$322||$736||$418||$24||$124||$1,649||$137|
|Civic EX-L 2-Dr Coupe||$322||$736||$522||$30||$156||$1,791||$149|
|Civic Hybrid 4-Dr Sedan||$364||$640||$418||$24||$124||$1,595||$133|
|Civic SI 2-Dr Coupe||$364||$834||$522||$30||$156||$1,931||$161|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$228||$438||$418||$24||$124||$1,232||$103|
|Civic VP 4-Dr Sedan||$228||$516||$418||$24||$124||$1,310||$109|
|Civic LX 4-Dr Sedan||$228||$516||$418||$24||$124||$1,310||$109|
|Civic DX 2-Dr Coupe||$228||$516||$522||$30||$156||$1,452||$121|
|Civic EX 4-Dr Sedan||$228||$516||$418||$24||$124||$1,310||$109|
|Civic LX-S 4-Dr Sedan||$228||$516||$418||$24||$124||$1,310||$109|
|Civic LX 2-Dr Coupe||$228||$594||$522||$30||$156||$1,530||$128|
|Civic EX-L 4-Dr Sedan||$262||$594||$418||$24||$124||$1,422||$119|
|Civic SI 4-Dr Sedan||$262||$594||$418||$24||$124||$1,422||$119|
|Civic EX 2-Dr Coupe||$262||$594||$522||$30||$156||$1,564||$130|
|Civic GX 4-Dr Sedan||$262||$594||$418||$24||$124||$1,422||$119|
|Civic EX-L 2-Dr Coupe||$262||$594||$522||$30||$156||$1,564||$130|
|Civic Hybrid 4-Dr Sedan||$296||$516||$418||$24||$124||$1,378||$115|
|Civic SI 2-Dr Coupe||$296||$672||$522||$30||$156||$1,676||$140|
|Get a Quote for Your Vehicle Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific Davie garaging location which can raise or lower coverage prices considerably.
We can estimate from the data above that using a $250 deductible costs about $17 more each month or $204 for a full year than choosing the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 15 months between claims, you would probably save some money by going with a higher deductible.
Where to set your deductibles
The information below shows how different deductible levels and can affect Ford Escape premium costs for different age groups. Data assumes a married female driver, full coverage, and no discounts are applied.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
Six things that affect your costs
Lots of factors are used when you get a price on insurance. Some factors are common sense like your driving record, but other factors are more transparent like your vehicle usage or how financially stable you are. One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that play a part in calculating the rates you pay for auto insurance. When consumers understand what determines premiums, this enables you to make decisions that can help you get lower auto insurance prices.
Listed below are some of the major factors used by insurance companies to determine your rates.
Vehicle features that lower rates - Owning a car that has an advanced theft prevention system can earn a premium discount. Systems that thwart theives such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft and help bring rates down.
Reduce premiums by driving safer cars - Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety protect occupants better and fewer serious injuries translates directly to fewer claims and thus lower rates.
Getting married can save you money - Walking down the aisle helps lower the price when shopping for auto insurance. Marriage translates into being more mature than a single person and statistics prove married drivers tend to have fewer serious accidents.
Amount of liability insurance - The liability section of your policy is the coverage that protects you if you are determined to be liable for damages from an accident. Liability provides legal defense which can cost a lot. This coverage is relatively inexpensive compared to other policy coverages, so do not cut corners here.
Don't let your auto insurance lapse - Letting your insurance expire can be a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license.
Rates and occupation - Do you have a high-stress occupation? Occupations such as judges, police officers, and medical professionals generally pay higher rates than the rest of us attributed to intense work-related stress and long work days. On the flip side, careers like actors, historians and homemakers pay the least.
Are you obtaining every discount?
Companies offering auto insurance don't list all possible discounts in a way that's easy to find, so below is a list both well-publicized as well as the least known ways to save on auto insurance. If they aren't giving you every credit you deserve, you are not getting the best rate possible.
- Discount for Good Grades - A discount for being a good student may save as much as 25% on a Davie auto insurance quote. The good student discount can last up to age 25.
- Pay Upfront and Save - If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
- ABS and Traction Control Discounts - Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
- Claim-Free Discount - Insureds with no claims or accidents can earn big discounts in comparison with drivers with a long claim history.
- Government Employees - Active or retired federal employment may qualify for a discount when you quote Davie auto insurance with a few auto insurance companies.
- Multi-car Discount - Buying a policy with multiple cars or trucks on a single policy may reduce the rate for each vehicle.
- Early Signing - Select insurance companies give a discount for buying a policy before your current coverage expires. This can save 10% or more.
As is typical with insurance, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, that's just not realistic.
Some of the insurance companies that may include most of these discounts include:
Before you buy a policy, ask every company how you can save money. A few discounts might not be offered on policies in Davie. For a list of auto insurance companies who offer auto insurance discounts in Florida, follow this link.
When in doubt talk to an agent
Always keep in mind that when comparing a policy, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help highlight if your situation will benefit from professional help.
- Should I put collision coverage on all my vehicles?
- What if a claim settlement is too low?
- Is business property covered if stolen from my car?
- Does insurance cover tools stolen from my truck?
- When should I not file a claim?
- Am I covered when driving a rental car?
- Is there a penalty for late payment?
If you can't answer these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It's fast, free and you can get the answers you need.
Persistence pays off
We just presented a lot of tips how to reduce car insurance rates online in Davie. It's most important to understand that the more times you quote, the better your comparison will be. Consumers could even find that the best rates are with some of the lesser-known companies.
As you quote Davie auto insurance, never buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.
Insureds who switch companies do it for many reasons like policy cancellation, lack of trust in their agent, extreme rates for teen drivers and poor customer service. Whatever your reason, choosing a new company can be pretty painless.
To learn more, feel free to visit the following helpful articles:
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has the Cheapest Auto Insurance Rates for High Risk Drivers in Florida? (FAQ)
- Who Has Affordable Car Insurance for Drivers Over Age 70 in Florida? (FAQ)
- Who Has the Cheapest Florida Car Insurance Quotes for 19 Year Olds? (FAQ)
- How Much is Florida Auto Insurance for 16 Year Olds? (FAQ)
- Who Has Cheap Car Insurance for Police Officers in Florida? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Nurses in Florida? (FAQ)
- How Much is Auto Insurance for a Dodge Journey in Florida? (FAQ)
- Liability Insurance Coverage (Nationwide)
- What is Full Coverage? (Allstate)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)