Would you like to stop wasting money and find lower-priced insurance rates in Fort Pierce, FL? Fort Pierce buyers have options when searching for the lowest priced car insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to find the lowest rates. There are more efficient ways to buy insurance so we're going to tell you the absolute fastest way to get price quotes for your and get the lowest possible price from both online companies and Fort Pierce agents.

It's important to take a look at other company's rates periodically since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best quotes on insurance last year a different company probably has better rates today. Block out anything you think you know about insurance because it's time to teach you the only way to reduce your cost while increasing coverage.

The companies in the list below have been selected to offer comparison quotes in Florida. If you want to find the best cheap car insurance in Florida, it's a good idea that you visit several of them to get a more complete price comparison.

Insurance Rate Estimates for Popular Vehicles in Fort Pierce
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,374 $687 $115
Chevrolet Silverado LT Extended Cab 2WD $1,756 $878 $146
Dodge Ram Crew Cab Laramie 4WD $1,554 $777 $130
Ford Edge SEL 2WD $1,094 $547 $91
Ford Escape XLT 2WD $1,062 $531 $89
Ford F-150 XLT Regular Cab 2WD $1,068 $534 $89
Ford Focus SE 2-Dr Coupe $1,788 $894 $149
Ford Fusion Hybrid 4-Dr Sedan $1,608 $804 $134
GMC Sierra Denali Crew Cab 2WD $1,958 $979 $163
Honda Accord LX 4-Dr Sedan $1,246 $623 $104
Honda CR-V EX 2WD $1,374 $687 $115
Honda Civic LX 2-Dr Coupe $1,764 $882 $147
Jeep Grand Cherokee Limited 4WD $1,158 $579 $97
Nissan Altima 2.5 4-Dr Sedan $1,792 $896 $149
Toyota Camry Hybrid $1,658 $829 $138
Toyota Corolla LE $1,502 $751 $125
Toyota RAV4 2WD $1,626 $813 $136
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in zip code location which can lower or raise premiums substantially.

Comparison of policy deductibles

One common question asked by Fort Pierce drivers is which deductibles should you choose. The rates shown below can help show the premium difference when you select higher and lower coverage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

GMC Acadia insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $312 $532 $418 $24 $124 $1,435 $120
Acadia SL AWD $358 $532 $418 $24 $124 $1,481 $123
Acadia SLE 2WD $358 $532 $418 $24 $124 $1,481 $123
Acadia SLE AWD $358 $648 $418 $24 $124 $1,597 $133
Acadia SLT 2WD $358 $648 $418 $24 $124 $1,597 $133
Acadia SLT AWD $406 $648 $418 $24 $124 $1,645 $137
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GMC Acadia insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $174 $280 $418 $24 $124 $1,020 $85
Acadia SL AWD $200 $280 $418 $24 $124 $1,046 $87
Acadia SLE 2WD $200 $280 $418 $24 $124 $1,046 $87
Acadia SLE AWD $200 $342 $418 $24 $124 $1,108 $92
Acadia SLT 2WD $200 $342 $418 $24 $124 $1,108 $92
Acadia SLT AWD $224 $342 $418 $24 $124 $1,132 $94
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can revise premium rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $38 more each month or $456 for a full year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 24 months between claim filings, you would most likely save money if you opt for a higher deductible. The table below shows the way you can come to your own conclusion.

Average monthly premium for $100 deductibles: $128
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important sidenote is that raising deductibles means you will have to pay more out-of-pocket when you file a claim. You will want to have some funds available in the event you have to pay the deductible.

Full coverage rates vs. liability-only

The information below shows the comparison of Hyundai Elantra auto insurance rates with and without physical damage coverage. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, married male driver, and no discounts are applied to the premium.

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

When to drop comprehensive and collision

There is no exact rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's pretend your Hyundai Elantra settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $5,000 after the policy deductible has been paid. If it's costing you more than $500 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where dropping full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.

These discounts can lower your insurance rates

Insuring your vehicles can cost a lot, but you may find discounts that could drop your premiums quite a bit. Most are applied when you complete an application, but a few need to be manually applied in order for you to get them.Insurance discounts

You should keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, nobody gets a free ride. But any discount will help reduce the cost of coverage.

A list of companies and their offered discounts are outlined below.

Check with each company or agent which discounts you qualify for. All car insurance discounts might not be available to policyholders in Fort Pierce. To see insurance companies that offer many of these discounts in Florida, click here to view.

Auto insurance is not optional in Florida

Even though it's not necessarily cheap to insure a vehicle in Fort Pierce, insurance may be mandatory for several reasons.

The benefits of having auto insurance are without a doubt worth the cost, especially if you ever need it. On average, a vehicle owner in Fort Pierce overpays as much as $825 a year so you should quote your policy with other companies every year to ensure rates are competitive.