Are you tired of scraping the payment together to pay your insurance bill each month? You are no different than many other vehicle owners in Florida.

Shocking but true, most drivers kept buying from the same company for four years or more, and almost 40% of drivers have never compared rates to find cheap insurance. The average driver in West Melbourne can save 55% each year by just comparing quotes, but they just assume it takes a lot of time to find cheap insurance by shopping around.

Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible on insurance.

You need to get comparison quotes as often as possible because prices are usually higher with each renewal. Even if you got the best rate on insurance six months ago you can probably find a better premium rate now. You can find a lot of wrong information about insurance online but you can learn some great ways to slash your insurance rates in West Melbourne.

If you have insurance now, you should be able to reduce premiums using the techniques covered below. Finding the cheapest coverage in West Melbourne is actually quite easy if you know where to start. But Florida drivers should learn the way insurance companies calculate your car insurance rates because rates fluctuate considerably.

Which auto insurance is cheapest in West Melbourne, FL?

To get low cost West Melbourne car insurance quotes, there a variety of ways to compare rate quotes from all the different companies. The best method to lower the rate you pay for insurance consists of obtaining rate quotes online.

It's so simple to compare auto insurance rates online makes it obsolete to make phone calls or go to each insurance agency near you. Comparing online rate quotes can eliminate the need for a local agent unless your situation requires the professional assistance only provided by licensed West Melbourne agents. It is possible with some companies compare the best prices online but have your policy serviced through an agent. It's important to know that obtaining a wide range of quotes will increase your chances of finding better pricing. Not every company provides online price quotes, so you need to compare quotes from them, too.

The companies shown below are ready to provide quotes in Florida. To buy the cheapest car insurance in Florida, it's a good idea that you compare several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in West Melbourne
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $1,368 $684 $114
Dodge Grand Caravan Hero $1,378 $689 $115
Dodge Ram Quad Cab Laramie 4WD $1,394 $697 $116
Ford Escape Limited 2WD $1,440 $720 $120
Ford F-150 XLT Crew Cab 2WD $1,188 $594 $99
Ford Focus SEL 4-Dr Sedan $1,342 $671 $112
GMC Sierra SLE Crew Cab 2WD $1,230 $615 $103
Honda Accord EX 2-Dr Coupe $1,372 $686 $114
Honda CR-V LX 4WD $1,164 $582 $97
Honda Civic DX 2-Dr Coupe $1,288 $644 $107
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,246 $623 $104
Nissan Altima Hybrid 4-Dr Sedan $1,378 $689 $115
Toyota Camry LE $1,166 $583 $97
Toyota Corolla XRS $1,428 $714 $119
Toyota Prius $1,208 $604 $101
Toyota RAV4 Limited 4WD $1,298 $649 $108
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can alter coverage prices significantly.

Comparison of policy deductibles

When comparing car insurance rates, the most common question is which deductibles should you choose. The premium rates below can help show how much more you'll pay between high and low physical damage coverage deductibles. The first data set uses a $250 deductible for physical damage and the second pricing table uses a $500 deductible.

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

Honda Accord insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord EX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX-P 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX-P 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord EX-L 4-Dr Sedan $322 $544 $354 $20 $106 $1,371 $114
Accord EX 2-Dr Coupe $322 $640 $472 $28 $142 $1,629 $136
Accord LX-S 2-Dr Coupe $322 $640 $472 $28 $142 $1,629 $136
Accord EX-L 2-Dr Coupe $364 $640 $472 $28 $142 $1,671 $139
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Honda Accord insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord LX 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord EX 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord LX-P 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord LX-P 4-Dr Sedan $228 $360 $354 $20 $106 $1,068 $89
Accord EX-L 4-Dr Sedan $262 $438 $354 $20 $106 $1,180 $98
Accord EX 2-Dr Coupe $262 $516 $472 $28 $142 $1,420 $118
Accord LX-S 2-Dr Coupe $262 $516 $472 $28 $142 $1,420 $118
Accord EX-L 2-Dr Coupe $296 $516 $472 $28 $142 $1,454 $121
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in West Melbourne location which can modify coverage rates significantly.

We can estimate from the data above that using a $250 deductible costs about $16 more each month or $192 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 16 months between claims, you would probably save some money by going with a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $116
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Policy deductibles

The information below illustrates how choosing a deductible and can impact Chevrolet Silverado annual premium costs for each age group. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Get cheaper car insurance with discounts

Buying car insurance is not cheap, but companies offer discounts that you may not know about. Most are applied at quote time, but some discounts are required to be specially asked for before you will receive the discount.Discount car insurance

As a footnote on discounts, some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, you won't be that lucky.

A list of companies and their possible discounts can be read below.

When getting free West Melbourne car insurance quotes, it's a good idea to every company what discounts are available to you. Some credits may not apply in every state.

How your West Melbourne rates are determined

Lots of factors are used when pricing auto insurance. A few of the factors are predictable such as your driving history, although some other factors are not quite as obvious like your continuous coverage or your financial responsibility. A large part of saving on insurance is knowing a few of the rating criteria that are used to determine your policy premiums. If you understand what determines base rates, this empowers consumers to make smart changes that can help you get lower insurance prices.

Your address can impact price - Residing in a rural area can save you money when talking about insurance. Less people living in that area translates into fewer accidents in addition to lower liability claims Drivers in populated Florida areas have congested traffic and longer commute times. More time commuting means a statistically higher chance of an accident.

Is your car built for speed? - The performance level of the car you are buying insurance for makes a significant difference in how high your rates are. The lowest premiums will normally be found when insuring small economy passenger cars, but many other things help determine your insurance rates.

Safety first - Safe vehicles tend to have lower insurance rates. These vehicles help reduce the chance of injuries in an accident and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your vehicle earned at least four stars on Safercar.gov it may be receiving lower rates.

How much liability - Your insurance policy's liability coverage will afford coverage in the event that you are responsible for damages caused by your negligence. Your liability coverage provides legal defense up to the limits shown on your policy. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.

Insurance does more than just protect your car

Despite the fact that insurance is not cheap in West Melbourne, buying insurance may not be optional for several reasons.

The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. The average driver in Florida is wasting up to $850 per year so it's recommended you shop around once a year at a minimum to ensure rates are inline.

In the end, you can save money

When you buy West Melbourne car insurance online, it's very important that you do not buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability limits or collision coverage only to regret that it was a big mistake. Your strategy should be to buy a smart amount of coverage at a price you can afford.

We just covered many ways to compare car insurance rates in West Melbourne. It's most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from an unexpected company. Some small companies can often provide lower auto insurance rates in certain areas than their larger competitors like Progressive or GEICO.

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