Searching for cheaper insurance for a car in Florida can turn out to be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find auto insurance online so we're going to tell you the absolute fastest way to quote coverages for a and obtain the best price possible from both online companies and Key West agents.

The following companies are ready to provide comparison quotes in Key West, FL. To locate cheaper auto insurance in Florida, we recommend you click on several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Key West
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,424 $712 $119
Chevrolet Impala LTZ $1,208 $604 $101
Chevrolet Silverado LS Regular Cab 2WD $1,220 $610 $102
Dodge Ram Crew Cab Sport 4WD $1,700 $850 $142
Ford Edge Limited AWD $1,770 $885 $148
Ford Escape XLS 4WD $1,252 $626 $104
Ford F-150 XL Crew Cab 4WD $1,066 $533 $89
Ford Focus S 4-Dr Sedan $1,282 $641 $107
Honda Accord LX-P 4-Dr Sedan $1,206 $603 $101
Honda CR-V LX 2WD $1,202 $601 $100
Honda Civic SI 4-Dr Sedan $1,846 $923 $154
Hyundai Elantra Blue 4-Dr Sedan $1,160 $580 $97
Jeep Grand Cherokee SRT-8 4WD $1,184 $592 $99
Jeep Wrangler Rubicon 4WD 2-Dr $1,356 $678 $113
Kia Optima EX $1,612 $806 $134
Mazda 3 S Grand Touring 4-Dr Hatchback $1,328 $664 $111
Nissan Altima Hybrid 4-Dr Sedan $1,596 $798 $133
Toyota Camry Hybrid $1,282 $641 $107
Toyota Corolla LE $1,690 $845 $141
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in specific zip code location which can change coverage rates substantially.

Impact of careless driving on Key West auto insurance rates

The example below demonstrates how citations and accident claims can impact Toyota Corolla auto insurance costs for different ages of insureds. The information is based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Key West insurance rates by age and gender

The chart below illustrates the comparison of insurance costs for male and female drivers in Key West. The information is based on no accidents or driving violations, full coverage, $250 deductibles, single marital status, and no additional discounts are factored in on a Ford Escape XLS.

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

Comparison of policy deductibles

The chart below highlights how deductible choice and can influence Dodge Ram annual premium costs for different age groups of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Save money by receiving these nine discounts

Companies offering auto insurance do not advertise all possible discounts very well, so the list below details some of the best known and the harder-to-find discounts that you can inquire about if you buy Key West car insurance online.Save money with discounts

Policy discounts save money, but some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn't work that way.

A few companies that may offer these discounts include:

Before buying, ask each insurance company to give you their best rates. Some of the discounts discussed earlier may not be offered in every state. To locate providers who offer cheap car insurance quotes in Key West, follow this link.

Here's why insurance is not optional

Despite the potentially high cost of insurance, paying for insurance is not optional due to several reasons.

First, almost all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability coverage in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your car has a loan, more than likely the lender will stipulate that you have full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your vehicle at an extremely high rate and make you pay for the much more expensive policy.

Third, insurance preserves both your vehicle and your personal assets. It also can pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of your driving. If your vehicle gets damaged, comprehensive and collision coverage will cover the repair costs.

The benefits of carrying enough insurance are definitely more than the cost, especially for larger claims. The average driver in America is currently overpaying as much as $850 per year so you should quote rates at every policy renewal to ensure rates are competitive.

Insurance agencies are professional risk managers

Certain consumers just prefer to sit down and talk to an agent and that is OK! Licensed agents can point out coverage gaps and help submit paperwork. One of the best bonuses of comparing rate quotes online is you may find lower rates and also buy local. Buying insurance from local agencies is still important in Key West.

Insurance agents in Key WestFor easy comparison, once you complete this quick form, your coverage information is sent to local insurance agents who will return price quotes for your coverage. It makes it easy because there is no need to contact any agents because quoted prices will be sent instantly to you. If you want to get a rate quote from a specific company, don't hesitate to jump over to their website and give them your coverage information.

When narrowing the list to find a reliable insurance agency, there are a couple of types of agencies and how they are slightly different. Agencies in Key West are classified as either independent agents or exclusive agents depending on their employer. Either one can sell and service auto insurance coverage, but it's important to point out the difference between them because it can factor into your selection of an agent.

Independent Insurance Agents

Agents in the independent channel are not locked into one company and that gives them the ability to insure with multiple insurance companies and find you cheaper rates. If prices rise, the business is moved internally and that require little work on your part.

When searching for an agent, you need to get insurance quotes from independent agents for maximum quote selection. They often place coverage with different regional companies which could offer lower prices.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive have only one company to place business with like American Family, State Farm, and Allstate. Exclusive agents cannot provide prices from multiple companies so if the price isn't competitive there isn't much they can do. They are very knowledgeable in insurance sales which can be an advantage. Consumers sometimes buy from the same agent for years mostly because of the prominence of the brand and solid financial strength.

Finding a good insurance agency requires you to look at more than just a low price. The following questions are important to ask.

If you feel you receive acceptable answers to any questions you may have and a low price estimate, you may have found an auto insurance agent that can be relied on to provide auto insurance coverage. But remember, consumers can cancel coverage for any reason so don't assume that you are obligated to any particular company indefinitely.

Specific coverage details

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision - This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, damage from getting keyed, hail damage, vandalism and falling objects. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Vehicle Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Nissan Leaf Bentley Continental GTC
GMC Sierra 2500 BMW M6
Ford F-350 Bentley Continental GT
Chevy Spark Audi S7
Nissan Xterra Maserati Granturismo
Volvo V60 BMW M6

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

Collision - This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, crashing into a ditch, rolling your car, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It's also possible to choose a higher deductible to bring the cost down.

Vehicle Models with the Lowest and Highest Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper BMW 6 Series
Chevrolet Colorado Bentley Continental Flying Spur
Ford F-250 SuperCab Bently Continental GT
Jeep Wrangler Nissan GT-R
Ford Edge Audi RS7
Nissan Xterra BMW M6

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

Medical costs insurance - Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like EMT expenses, ambulance fees, prosthetic devices and pain medications. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Medical Payment Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Land Rover Range Rover Sport Nissan Versa
Audi A4 Allroad Mitsubishi Mirage
Ford Expedition Mitsubishi Lancer
Chevrolet Corvette Chrysler 200
Ford F-250 SuperCrew Dodge Charger
Chevrolet Silverado 3500 Chevrolet Sonic

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

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Covered claims include injuries to you and your family and damage to your vehicle.

Since a lot of drivers carry very low liability coverage limits (10/20/10 in Florida), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are identical to your policy's liability coverage.

Auto liability insurance - Liability coverage protects you from damage that occurs to a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 10/20/10 which means $10,000 in coverage for each person's injuries, $20,000 for the entire accident, and $10,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, loss of income, bail bonds and court costs. The amount of liability coverage you purchase is a personal decision, but it's cheap coverage so purchase as high a limit as you can afford. Florida state law requires minimum liability limits of 10/20/10 but it's recommended drivers buy more liability than the minimum.

Lowest and Highest Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Hyndai Accent
Subaru Forester Mitsubishi Mirage
Volvo XC60 Dodge Charger
Acura MDX Chevrolet Cruze
Fiat 500 Chevrolet Impala
Subaru Outback Chrysler 200

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