Are you tired of trying to find more competitive insurance rates in Pinellas Park, FL? Are you overwhelmed by the dozens of insurance choices available to you? Many other drivers are as well. Florida vehicle owners have such a large number of options that it can easily turn into a real difficult job to find the lowest price. Pinellas Park is an excellent city in which to live, but inflated insurance rates makes it difficult to afford proper coverage amounts.

Unthinkable but true, most insurance policyholders renewed their policy with the same company for a minimum of four years, and nearly the majority have never compared rate quotes at all. Florida drivers could save an average of roughly 55% each year by just comparing rate quotes, but they mistakenly think it's difficult to find cheap insurance rates.

It's a great practice to do rate comparisons at least once a year because prices are rarely the same from one policy term to another. If you had the lowest rates on insurance on your last policy the chances are good that you can find a lower premium rate today. Block out anything you think you know about insurance because you're about to find out the fastest and easiest way to lower your rates without sacrificing coverage.

Auto insurance providers offering competitive rate quotes in Florida

The companies shown below have been selected to offer free quotes in Pinellas Park, FL. To locate the best cheap auto insurance in Florida, it's highly recommended you visit as many as you can to get a more complete price comparison.

Insurance Rate Estimates for Popular Vehicles in Pinellas Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $898 $449 $75
Chevrolet Silverado LS Crew Cab 2WD $1,110 $555 $93
Dodge Ram Quad Cab SLT 4WD $1,060 $530 $88
Ford Escape XLS 4WD $1,092 $546 $91
Ford F-150 Lariat Super Cab 2WD $1,416 $708 $118
Ford Focus SES 2-Dr Coupe $1,290 $645 $108
Ford Fusion SEL AWD 4-Dr Sedan $1,276 $638 $106
Honda Accord EX 4-Dr Sedan $822 $411 $69
Honda CR-V LX 4WD $914 $457 $76
Honda Civic LX-S 4-Dr Sedan $1,486 $743 $124
Hyundai Sonata Limited 4-Dr Sedan $1,580 $790 $132
Nissan Altima 3.5 SR 4-Dr Sedan $1,536 $768 $128
Toyota Camry SE $1,340 $670 $112
Toyota Corolla LE $1,912 $956 $159
Toyota Prius $1,722 $861 $144
Toyota RAV4 Limited 2WD $1,224 $612 $102
Volkswagen Jetta SE 2.5 Station Wagon $1,468 $734 $122
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in vehicle garaging location which can modify premium rates significantly.

Auto insurance premiums based on gender

The information below illustrates the difference between car insurance costs for male and female drivers in Pinellas Park. The rate quotes are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no policy discounts are applied on a Ford Fusion S.

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

Buy cheap auto insurance with these tips

Part of the auto insurance buying process is learning some of the things that are used to determine your premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find lower rates. Multiple criteria are used in the calculation when you get a price on insurance. A few of the factors are predictable like an MVR report, but other factors are more transparent such as your credit history or your commute time.

Better credit means lower rates - Having a bad credit score will be a significant factor in determining your rates. If your credit rating can be improved, you could be paying less to insure your vehicle by taking the time to improve your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers with worse credit.

Stress out and pay more - Occupations such as lawyers, architects and miners generally pay higher rates than the rest of us because of job stress and extremely grueling work hours. On the flip side, careers such as professors, athletes and the unemployed generally pay rates lower than average.

Where you reside factors in - Residing in areas with lower population can save you money when trying to find low car insurance rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. People in densely populated areas tend to have more auto accidents and a longer drive to work. Higher commute times means higher likelihood of an accident.

Teenagers vs. mature drivers - More experienced drivers are shown to be more cautious, statistically cause fewer accidents, and are generally more financially stable.Teenage drivers have a tendency to be more careless behind the wheel so auto insurance rates are higher.

GPS tracking and theft deterrents lower premiums - Buying a car with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features like GM's OnStar, tamper alarm systems and vehicle immobilizers all help stop your vehicle from being stolen.

Get lower-cost auto insurance with discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. Many of these discounts will be applied automatically at quote time, but occasionally some discounts must be inquired about prior to receiving the credit. If you check and find you aren't receiving every discount possible, you could be getting lower rates.Cheaper auto insurance with discounts

A little disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you aren't that lucky.

For a list of providers who offer cheap auto insurance quotes in Pinellas Park in Florida, click here.

Compare rates but work with a local Pinellas Park insurance agency

Many people just want to visit with an insurance agent and that can be a great decision One of the great benefits of getting free rate quotes online is the fact that drivers can get cheaper rates and also buy local. Buying from and supporting neighborhood agents is definitely important in Pinellas Park.

Insurance agency in Pinellas ParkTo find an agent, once you fill out this short form, your coverage information is instantly submitted to companies in Pinellas Park who will give competitive quotes to get your business. It's much easier because you don't need to do any legwork due to the fact that quote results will go to you directly. It's the lowest rates without the usual hassles of price shopping. If you have a need to quote rates from a specific insurance provider, don't hesitate to find their quoting web page and give them your coverage information.

If you're trying to find a local Pinellas Park insurance agent, you should know the types of insurance agents and how they differ in how they quote coverages. Agents can be categorized as either independent or exclusive depending on the company they work for.

Independent Insurance Agencies

These agents do not work for one specific company so they can write business through lots of different companies and find you cheaper rates. If premiums increase, they simply switch companies in-house which requires no work on your part. If you need cheaper insurance rates, we recommend you compare quotes from a couple of independent agencies in order to have the best price comparison. Most can insure with additional companies that you may not be familiar with that can offer cheaper rates than bigger companies.

Exclusive Agents

Agents in the exclusive channel generally can only insure with one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so always compare other rates. Exclusive agents are very knowledgeable on their company's products which helps them compete with independent agents. A lot of people buy insurance from these agents primarily because of the prominence of the brand rather than low price.

Finding the right insurance agent requires more thought than just the quoted price. Before buying a policy in Pinellas Park, get answers to these questions.

After talking to the agent and getting satisfactory answers for all questions you ask as well as offering an affordable quote, it's a good possibility that you have found an auto insurance agent that can be trusted to adequately provide insurance. Just remember you can cancel your coverage at any point so don't think that you are permanently stuck with your new company for the entire policy term.

Truth in insurance advertising

GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to make the promise of big savings if you switch to their company. How is it possible that every company can give you a lower rate on insurance? Here is the trick they use.

Different companies provide the lowest rates for the driver that will be a good risk. A good example of a profitable insured could be over the age of 40, has a low-risk occupation, and drives a lower-performance vehicle. Anybody that matches those criteria will qualify for the lowest premium rates in Pinellas Park and is almost guaranteed to save when they switch companies.

Consumers who fall outside the "perfect" profile will be charged higher rates which leads to the customer not purchasing. If you listen closely, the ads state "customers that switch" not "everybody who quotes" will save that much if they switch. This is how companies can truthfully lure you into getting a quote.

This illustrates why you really should do a rate comparison at every renewal. It's not possible to predict the company that will give you lower car insurance rates than your current company.

Insurance losses by coverage

Is your vehicle likely to have claims? The next tables list the highest and lowest cars and trucks for likelihood of having large claims for each type of coverage listed.

Medical Payment Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Nissan Versa
Chevrolet Corvette Mitsubishi Mirage
Chevrolet Silverado 2500 Nissan Sentra
Ford F-350 SuperCrew Chevrolet Sonic
Ford F-250 SuperCrew Chrysler 200
Ford Expedition Dodge Charger

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

Lowest and Highest Car Insurance Comprehensive Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Mercedes-Benz S Class
Nissan Leaf BMW M6
Chevy Silverado 2500 Audi S7
Chevy Spark Bentley Continental GTC
GMC Sierra 2500 Bentley Continental GT
Infiniti QX50 BMW M6

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

Lowest and Highest Liability Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Chevrolet Impala
Fiat 500 Mitsubishi Mirage
Volvo XC60 Dodge Charger
Audi A6 Kia Optima
Subaru Forester Chevrolet Sonic
Mercedes-Benz SL Class Chrysler 200

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

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Ford Edge Audi RS7
Ford F-250 SuperCab Bently Continental GTC
GMC Canyon Maserati Ghibli
Ford F-150 SuperCrew Ferrari 458
Smart ForTwo Maserati Granturismo
Nissan Xterra BMW 6 Series

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

Affordable rates are available

As you go through the steps to switch your coverage, it's not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at a price you can afford, but don't skip important coverages to save money.

Insureds switch companies for a number of reasons such as delays in responding to claim requests, high prices, delays in paying claims and lack of trust in their agent. It doesn't matter why you want to switch switching car insurance companies can be pretty painless.

Some insurance providers do not offer the ability to get quotes online and most of the time these smaller providers sell through independent agents. Budget-conscious car insurance is available online in addition to many Pinellas Park insurance agents, so you should compare both to have the best chance of lowering rates.

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