Want to learn a better way to compare cheaper auto insurance rates in St. Cloud, FL? Are you regretting buying overpriced auto insurance? You're in good company because many St. Cloud drivers have buyer's remorse.

Unimaginable but true, most auto insurance buyers have purchased from the same company for at least four years, and approximately 40% of consumers have never even compared quotes to find cheap rates. Consumers in Florida could save an average of up to 55% each year, but most tend to underestimate the actual amount they would save if they switched to a more affordable policy. Vehicle owners have so many car insurance companies to pick from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates and find the lowest cost auto insurance.

It's a good idea to price shop coverage at least once a year due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the best rate on auto insurance a couple years back you will most likely find a better premium rate today. Forget all the misinformation about auto insurance because I'm going to teach you the fastest and easiest way to save on auto insurance.

These tips will introduce you to how car insurance quotes work and how you can save the most money. If you are insured now, you will definitely be able to find the best rates using these methods. Drivers just need to use the quickest method to compare price quotes on the web.

All major insurance companies allow you to get prices direct online. Getting online rates is possible for anyone as you simply enter the amount of coverage you want as detailed in the form. When the form is submitted, the system pulls reports for credit and driving violations and returns a price based on the data you entered. The ability to get online rates makes it easy to compare insurance prices and it's absolutely necessary to have as many quotes as possible if you want to get the best rate.

If you want to compare rates using this form now, compare rates from the companies below. If you have your current policy handy, we recommend that you enter deductibles and limits exactly as shown on your declarations page. This ensures you are getting an apples-to-apples comparison for similar coverage.

The companies shown below are ready to provide price comparisons in Florida. To buy cheap auto insurance in Florida, it's a good idea that you visit several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in St. Cloud
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ AWD $1,062 $531 $89
Chevrolet Silverado LT Regular Cab 2WD $1,890 $945 $158
Dodge Ram Quad Cab Sport 2WD $1,648 $824 $137
Ford Escape XLT 2WD $836 $418 $70
Ford F-150 XL Crew Cab 2WD $1,188 $594 $99
Ford Focus S 4-Dr Sedan $952 $476 $79
Ford Fusion Sport AWD 4-Dr Sedan $1,482 $741 $124
GMC Sierra SL Extended Cab 2WD $1,432 $716 $119
Honda Accord LX 4-Dr Sedan $1,398 $699 $117
Honda CR-V LX 2WD $970 $485 $81
Honda Civic EX-L 4-Dr Sedan $1,416 $708 $118
Hyundai Elantra GLS Touring Station Wagon $984 $492 $82
Mazda 3 S Grand Touring 4-Dr Hatchback $1,212 $606 $101
Nissan Altima Hybrid 4-Dr Sedan $1,356 $678 $113
Toyota Camry XLE $1,168 $584 $97
Toyota Corolla S $1,738 $869 $145
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can modify premium rates considerably.

Rate comparison of males versus females in St. Cloud

The illustration below illustrates the comparison of insurance premiums for male and female drivers in St. Cloud. The rates are based on no violations or accidents, full coverage, $500 deductibles, drivers are not married, and no policy discounts are applied on a GMC Acadia SLT.

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

Policy deductible comparison

One common question asked by St. Cloud drivers is which comprehensive and collision deductibles to buy. The rates shown below can help you understand the rate differences between low and high comp and collision deductibles. The first set of prices uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

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

Ford Focus insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Focus SE 4-Dr Sedan $312 $648 $418 $24 $124 $1,551 $129
Focus SEL 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Focus SES 4-Dr Sedan $312 $764 $418 $24 $124 $1,667 $139
Focus SE 2-Dr Coupe $358 $764 $472 $28 $142 $1,789 $149
Focus SES 2-Dr Coupe $358 $764 $472 $28 $142 $1,789 $149
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Ford Focus insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $174 $342 $418 $24 $124 $1,082 $90
Focus SE 4-Dr Sedan $174 $342 $418 $24 $124 $1,082 $90
Focus SEL 4-Dr Sedan $174 $402 $418 $24 $124 $1,142 $95
Focus SES 4-Dr Sedan $174 $402 $418 $24 $124 $1,142 $95
Focus SE 2-Dr Coupe $200 $402 $472 $28 $142 $1,244 $104
Focus SES 2-Dr Coupe $200 $402 $472 $28 $142 $1,244 $104
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific St. Cloud garaging location which can modify rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $43 more each month or $516 annually than buying the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 21 months between claim filings, you would probably be better off by going with a higher deductible.

Cheaper St. Cloud car insurance rates with discounts

Some companies don't list every possible discount in an easy-to-find place, so the list below contains both well-publicized as well as some of the hidden discounts that you may qualify for.Discount car insurance

One thing to note about discounts is that some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, that's just not realistic.

Companies and some of the premium reductions they offer are detailed below.

If you need inexpensive St. Cloud auto insurance quotes, ask each company which discounts can lower your rates. Some credits may not apply in every state. For a list of insurance companies who offer online car insurance quotes in Florida, click this link.

Learn how to lower your insurance rates

Many factors are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, but other factors are not as apparent like your continuous coverage or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that aid in calculating insurance rates. When you know what positively or negatively determines base rates, this enables you to make decisions that will entitle you to big savings.

Shown below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

Insurance protects more than just your car

Even though rates can get expensive, buying insurance is required in Florida but it also protects you in many ways.

The benefits of having insurance greatly outweigh the cost, particularly when you have a large claim. On average, a vehicle owner in St. Cloud is overpaying over $750 every year so you should quote rates at every policy renewal to ensure rates are competitive.

Insurance claim statistics

Are you driving a statistically high-claim vehicle? The following statistics show the worst and best cars and trucks for the probability of having to file claims for each type of coverage.

Manufacturer Models with the Lowest and Highest Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Bently Continental GT
Chevrolet Colorado Maserati Granturismo
Jeep Wrangler Nissan GT-R
Ford Edge Bently Continental GTC
Nissan Xterra BMW 6 Series
GMC Canyon Bentley Continental Flying Spur

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

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Tesla Model S Chrysler 200
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-250 SuperCrew Nissan Versa
Ford F-350 SuperCrew Kia Forte
Land Rover Range Rover Sport Chevrolet Spark
Chevrolet Corvette Hyundai Accent

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

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
GMC Sierra 2500 Maserati Quattroporte
Smart ForTwo Maserati Granturismo
Infiniti QX50 BMW M6
Chevy Silverado 2500 Bentley Continental GTC
Nissan Leaf Porsche Panamera GTS
Volvo V60 Bentley Continental GT

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

Lowest and Highest Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Chevrolet Sonic
Acura MDX Dodge Charger
Subaru Forester Kia Rio
Volvo XC60 Kia Optima
Audi A6 Mitsubishi Mirage
Fiat 500 Hyndai Accent

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

You can find cheaper coverage

Cheaper car insurance in St. Cloud is possible from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get quotes online and usually these small, regional companies work with local independent agencies.

While you're price shopping online, it's a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The aim is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

We just showed you a lot of information how to lower your car insurance premium rates in St. Cloud. The key concept to understand is the more companies you get prices for, the better chance you'll have of finding low cost St. Cloud auto insurance quotes. You may even find the lowest premium rates are with a lesser-known regional company. These smaller insurers can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.

Much more information about car insurance in Florida can be read below: