Nobody that owns a car enjoys paying for auto insurance, especially when they know the cost is way too high.

Unbelievably, over 70% of Florida drivers have bought auto insurance from the same company for at least the last four years, and approximately 38% of consumers have never shopped around. American drivers could save themselves approximately $859 a year by just comparing quotes, but they underestimate the large savings they would see if they just switched companies.

There are many insurance companies to purchase coverage from, and although it's a good thing to have a selection, so many choices can make it hard to find the lowest rates.

It is always a good idea to quote other rates before your next renewal since prices fluctuate regularly. Just because you found the lowest rates on auto insurance a year ago a different company probably has better rate quotes today. There is lot of inaccurate information about auto insurance online but we're going to give you some great ideas on how to find cheap auto insurance in Lauderhill.

Car insurance companies in Florida

The companies in the list below are our best choices to provide free quotes in Lauderhill, FL. To get cheap car insurance in Florida, it's a good idea that you compare several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Lauderhill
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,406 $703 $117
Chevrolet Impala LS $1,226 $613 $102
Chevrolet Silverado LT Crew Cab 4WD $1,230 $615 $103
Dodge Ram Crew Cab TRX 2WD $1,080 $540 $90
Ford Escape XLT 4WD $1,068 $534 $89
Ford F-150 XL Crew Cab 2WD $1,288 $644 $107
Ford Focus SES 4-Dr Sedan $1,480 $740 $123
Honda Accord LX-P 4-Dr Sedan $1,202 $601 $100
Honda CR-V EX 4WD $954 $477 $80
Honda Civic DX 2-Dr Coupe $1,502 $751 $125
Jeep Grand Cherokee Laredo 2WD $1,298 $649 $108
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,286 $643 $107
Nissan Altima 2.5 S 2-Dr Coupe $1,260 $630 $105
Toyota Camry XLE $1,164 $582 $97
Toyota Corolla S $1,690 $845 $141
Toyota RAV4 2WD $990 $495 $83
Get Your Own Custom Quote Go

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific garaging location which can alter coverage prices greatly.

Male drivers versus female drivers

The illustration below illustrates the difference between auto insurance rates for male and female drivers in Lauderhill. Data assumes no violations or claims, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium on a Honda Accord LX-P.

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

Get cheap auto insurance with discounts

Some insurers do not advertise the entire discount list very well, so the below list has some of the best known and the harder-to-find credits available to bring down your rates. If you do not double check each discount you deserve, you could be paying more than you need to.Auto insurance discounts

As a footnote on discounts, most credits do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, it's just not the way it works.

A few of the larger companies and a summarized list of policyholder discounts include:

If you need lower rates, check with all the companies what discounts are available to you. Depending on the company, some discounts may not be offered in your state. If you would like to choose from a list of auto insurance companies with significant discounts in Florida, follow this link.

Auto insurance can be complex

Always remember that when buying coverage for your personal vehicles, there is no "perfect" insurance plan. Each situation is unique.Auto insurance savings

For instance, these questions can aid in determining if your situation could use an agent's help.

If you can't answer these questions, you might consider talking to a licensed agent. If you don't have a local agent, simply complete this short form.

Car insurance is available from your local insurance agencies

Some people would rather get professional advice from a licensed agent and that is recommended in a lot of cases A nice benefit of comparing rates online is the fact that drivers can get lower rates and still have a local agent.

Insurance agents in LauderhillAfter completing this quick form, the coverage information gets sent to companies in Lauderhill that can give you free Lauderhill auto insurance quotes for your coverage. There is no reason to drive around due to the fact that quote results will go to you. It's the lowest rates without a big time investment. If you have a need to compare rates from a particular provider, you would need to navigate to their website and submit a quote form there.

Choosing an company is decision based upon more than just a cheap price quote. Any good agent in Lauderhill should know the answers to these questions.

Do drivers who switch really save $394 a year?

Car insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make an identical promise about saving some big amount if you just switch your coverage to them. How is it possible that every company can sell you cheaper insurance coverage? You have to listen carefully.

All companies are able to cherry pick for the type of driver that will be a good risk. For instance, a profitable customer may need to be a married female, carries full coverage, and drives a safe vehicle. Anyone that matches those criteria will probably get cheap premium rates and therefore will save a lot of money.

Potential customers who don't measure up to these criteria will be charged higher premiums with the end result being business not being written. The wording the ads use say "customers who switch" not "all people who quote" save that kind of money. This is how companies can truthfully make those claims. Different companies use different criteria so it is so important to compare many company's auto insurance rates. It's just too difficult to predict which car insurance company will have the lowest rate quotes.

Vehicle claim statistics

Which vehicles rank well for chances of having claims? The statistics below show the worst and best vehicle makes and models for overall likelihood of filing claims orgainized by coverage.

Vehicles with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Subaru Forester Chrysler 200
Volvo XC60 Chevrolet Sonic
Acura MDX Chevrolet Cruze
Subaru Outback Hyndai Accent
Fiat 500 Mitsubishi Mirage
Chevrolet Corvette Dodge Charger

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

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Nissan Versa
Tesla Model S Chevrolet Sonic
Ford F-350 SuperCrew Dodge Charger
Chevrolet Silverado 3500 Chevrolet Spark
Ford F-250 SuperCrew Chrysler 200
Chevrolet Silverado 2500 Kia Forte

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

Lowest and Highest Auto Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Leaf Bentley Continental GTC
Chevy Silverado 2500 Bentley Continental GT
Nissan Xterra Audi S7
Smart ForTwo Maserati Quattroporte
GMC Sierra 2500 BMW M6
Infiniti QX50 Porsche Panamera GTS

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

Vehicle Make and Models with the Lowest and Highest Auto Insurance Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab BMW M6
Jeep Wrangler Nissan GT-R
Ford F-150 SuperCrew Maserati Granturismo
Nissan Xterra BMW 6 Series
Chevrolet Colorado Maserati Ghibli
Smart ForTwo Bentley Continental Flying Spur

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

A conclusion for your insurance search

As you shop your coverage around, never buy poor coverage just to save money. There have been many cases where an insured dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Drivers change insurance companies for any number of reasons including policy cancellation, unfair underwriting practices, delays in paying claims and being labeled a high risk driver. No matter why you want to switch, finding a new insurance company is not as difficult as it may seem.

In this article, we covered some good ideas how you can lower your insurance premium rates in Lauderhill. It's most important to understand that the more you quote Lauderhill auto insurance, the better your chances of lowering your prices. You may even be surprised to find that the biggest savings come from a smaller regional carrier.

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