Want to learn the secrets to finding more affordable insurance rates in Plant City, FL? Feel like you have an underperforming, overpriced insurance policy? Believe me, many Plant City drivers feel the same as you.
Unbelievable but true, the vast majority of consumers renewed their policy with the same company for four years or more, and roughly 40% of drivers have never compared rates from other carriers. Florida insurance shoppers could save nearly $1,100 every year by just comparing quotes, but they just assume it's a time-consuming process to find cheaper insurance rates. Many insurance companies vie to insure your vehicles, so it can be very hard to choose a insurance company to discover the definitive lowest cost out there.
If you have insurance now or are looking for a new policy, use these money-saving tips to find the best rates and still have adequate protection. Finding the cheapest auto insurance coverage in Plant City can initially seem challenging. Shoppers just have to learn the fastest way to compare price quotes from many companies at once.
Finding low cost auto insurance rates is pretty simple and can save money. All you need to do is spend a few minutes comparing price quotes online from several insurance companies.
It's so fast and easy to compare price quotes online that it replaces the need to spend time driving to and from local Plant City insurance agencies. Quoting auto insurance online makes this unnecessary unless you require the trained guidance that only an agent can give. Some companies do allow you to compare online quotes and still use a local Plant City agent.
The following companies offer quotes in Plant City, FL. If you wish to find cheap auto insurance in Florida, we recommend you visit as many as you can in order to find the most affordable rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LS AWD||$1,108||$554||$92|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,282||$641||$107|
|Dodge Ram Crew Cab SLT 4WD||$1,354||$677||$113|
|Ford Edge SEL AWD||$1,200||$600||$100|
|Ford Escape XLS 2WD||$1,246||$623||$104|
|Ford Explorer XLT AWD||$1,054||$527||$88|
|Ford F-150 STX Regular Cab 4WD||$1,024||$512||$85|
|Ford Focus SES 2-Dr Coupe||$1,668||$834||$139|
|Honda Accord LX 4-Dr Sedan||$1,188||$594||$99|
|Honda CR-V LX 4WD||$1,054||$527||$88|
|Honda Civic LX 4-Dr Sedan||$1,186||$593||$99|
|Hyundai Sonata Limited 4-Dr Sedan||$1,692||$846||$141|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,536||$768||$128|
|Nissan Rogue SL 2WD||$1,410||$705||$118|
|Toyota Camry SE||$1,536||$768||$128|
|Toyota Corolla XRS||$1,212||$606||$101|
|Toyota RAV4 Limited 4WD||$1,224||$612||$102|
|Volkswagen Jetta SE 4-Dr Sedan||$1,570||$785||$131|
|Get Your Own Custom Quote Go|
Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in your specific Plant City location which can raise or lower premiums significantly.
How high should deductibles be?
When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The tables below summarize how much more you'll pay when you choose different coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$312||$532||$354||$20||$106||$1,349||$112|
|Elantra Blue 4-Dr Sedan||$312||$764||$418||$24||$124||$1,667||$139|
|Elantra GLS 4-Dr Sedan||$358||$764||$418||$24||$124||$1,713||$143|
|Elantra SE 4-Dr Sedan||$358||$764||$418||$24||$124||$1,713||$143|
|Elantra SE Touring Station Wagon||$358||$648||$354||$20||$106||$1,511||$126|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$174||$280||$354||$20||$106||$934||$78|
|Elantra Blue 4-Dr Sedan||$174||$402||$418||$24||$124||$1,142||$95|
|Elantra GLS 4-Dr Sedan||$200||$402||$418||$24||$124||$1,168||$97|
|Elantra SE 4-Dr Sedan||$200||$402||$418||$24||$124||$1,168||$97|
|Elantra SE Touring Station Wagon||$200||$342||$354||$20||$106||$1,022||$85|
|Get a Quote for Your Vehicle Go|
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in your specific Plant City location which can increase or decrease premium rates noticeably.
Based on these figures, using a $100 deductible will cost in the ballpark of $43 more each month or $516 a year than buying the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 21 months between claims, you would save more money if you choose a higher deductible.
Car insurance deductibles
The illustration below demonstrates how choosing different deductibles and can change Dodge Ram insurance prices for different insured age categories. Data assumes a single female driver, full physical damage coverage, and no policy discounts are applied.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Careless driving habits raise car insurance rates
The example below demonstrates how traffic citations and at-fault accidents can influence Honda Accord car insurance rates for different categories of driver ages. The premiums assume a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.
Car insurance does more than just repair your car
Even though rates can get expensive, buying car insurance serves several important purposes.
First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to get the vehicle licensed. 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 you bought your vehicle with a loan, it's most likely the lender will make it mandatory that you buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may insure your vehicle at a more expensive rate and require you to pay for the much more expensive policy.
Third, car insurance protects both your car and your personal assets. It will also provide coverage for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance are definitely more than the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer overpays more than $865 each year so it's recommended you shop around each time the policy renews to ensure rates are inline.
Do drivers who switch really save $384 a year?
Florida consumers constantly see and hear ads for the lowest price insurance by State Farm, Allstate and GEICO. All the companies have a common claim that drivers can save some big amount if you switch your coverage.
Is it even possible that every company can give you a lower rate on insurance? It's all in the numbers.
Most companies are able to cherry pick for the type of customer that earns them the most money. For instance, a desirable risk should be between the ages of 30 and 50, has never had a policy lapse, and drives less than 7,500 miles a year. A customer who matches those parameters will probably get cheap prices and therefore will save when they switch companies.
Potential insureds who may not quite match those criteria will be charged higher rates and ends up with the customer buying from someone else. The wording the ads use say "people who switch" but not "all drivers who get quotes" save the amount stated. This is how insurance companies can make those statements. Because of these techniques, it's extremely important to compare as many free Plant City car insurance quotes as you can. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.
Lower rate quotes by receiving discounts
Companies that sell car insurance don't necessarily list every possible discount in an easy-to-find place, so the below list has some of the best known and the harder-to-find credits available to lower your premiums when you buy Plant City car insurance online.
- Air Bags and Passive Restraints - Vehicles with factory air bags or automatic seat belts could see savings up to 30%.
- Accident-Free Discounts - Drivers with accident-free driving histories get the best auto insurance rates when compared to policyholders that have many claims.
- Discounts for Federal Employees - Having worked for a branch of the government can earn a discount up to 10% depending on your company.
- Paper-free Discount - Some of the larger companies will give a small break for signing up digitally online.
- Driver Training Discounts - Taking time to complete a course teaching defensive driving skills could earn you a small percentage discount if you qualify.
- Anti-lock Brake Discount - Cars and trucks with ABS braking systems or traction control can reduce accidents and the ABS can save up to 10%.
- Drivers Education - Have your child complete a driver education course as it will make them better drivers and lower rates.
- Auto/Home Discount - If you combine your home and auto policies with one insurance company you could save over 10 percent off each policy depending on the company.
- Payment Discounts - By paying your policy upfront rather than paying monthly you may have a lower total premium amount.
We need to note that most of the big mark downs will not be given to your bottom line cost. Most cut individual premiums such as comprehensive or collision. Even though it may seem like you can get free auto insurance, you aren't that lucky. But all discounts will definitely reduce the premium cost.
A few popular companies and a summarized list of policyholder discounts include:
- GEICO offers discounts including multi-policy, emergency military deployment, multi-vehicle, membership and employees, daytime running lights, and defensive driver.
- MetLife may offer discounts for good student, accident-free, claim-free, good driver, multi-policy, and defensive driver.
- Progressive discounts include good student, multi-vehicle, multi-policy, homeowner, continuous coverage, online quote discount, and online signing.
- Travelers offers premium reductions for multi-policy, IntelliDrive, good student, student away at school, payment discounts, and continuous insurance.
- SAFECO may include discounts for bundle discounts, homeowner, safe driver, drive less, multi-car, and accident prevention training.
- AAA policyholders can earn discounts including education and occupation, pay-in-full, good student, good driver, AAA membership discount, multi-policy, and anti-theft.
If you want affordable Plant City car insurance quotes, ask each company or agent to give you their best rates. A few discounts might not be offered in your area. If you would like to choose from a list of companies that provide some of the discounts listed above in Plant City, click here to view.
Affordable insurance prices are available
You just learned many tips how you can lower your insurance premium rates in Plant City. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even find the best price on insurance is with a smaller regional carrier. Regional companies may only write in your state and offer lower prices than their larger competitors like State Farm, GEICO and Nationwide.
Lower-priced insurance in Plant City is definitely available from both online companies and from local agencies, and you should compare rates from both to have the best chance of lowering rates. Some companies don't offer rate quotes online and usually these smaller providers only sell coverage through independent insurance agents.
Additional learning opportunities
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has the Cheapest Florida Auto Insurance for Drivers Over Age 50? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Seniors in Florida? (FAQ)
- Who Has Cheap Florida Auto Insurance for 18 Year Olds? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)