Have you had enough of not being able to afford to make your insurance payment? Your situation is no different than many other Florida drivers.
Regrettably, 70% of consumers have stayed with the same insurance company for four years or more, and approximately 38% of consumers have never compared rate quotes at all. U.S. insurance shoppers could save themselves almost 46.5% a year by just shopping around, but they assume it's a waste of time to compare rate quotes. Popular companies such as GEICO and Progressive constantly blast consumers with advertising and consumers find it hard to see through the deception and take the time to shop coverage around.
Affordable car insurance companies in Stuart
The following companies offer comparison quotes in Stuart, FL. To buy the cheapest auto insurance in Florida, it's highly recommended you visit as many as you can to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$1,222||$611||$102|
|Chevrolet Equinox LS 2WD||$1,594||$797||$133|
|Chevrolet Silverado LT Extended Cab 4WD||$1,120||$560||$93|
|Dodge Grand Caravan CV||$1,246||$623||$104|
|Dodge Ram Quad Cab ST 4WD||$1,796||$898||$150|
|Ford Escape XLS 4WD||$1,038||$519||$87|
|Ford Explorer XLT 4WD||$1,186||$593||$99|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,368||$684||$114|
|Ford Focus SE 4-Dr Sedan||$1,268||$634||$106|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,312||$656||$109|
|Honda Accord LX 4-Dr Sedan||$1,398||$699||$117|
|Honda CR-V EX-L 2WD||$1,440||$720||$120|
|Honda Civic EX 2-Dr Coupe||$1,796||$898||$150|
|Jeep Grand Cherokee SRT-8 4WD||$1,504||$752||$125|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,670||$835||$139|
|Nissan Rogue S AWD||$1,178||$589||$98|
|Toyota Camry Hybrid||$1,692||$846||$141|
|Toyota Corolla XRS||$1,328||$664||$111|
|Volkswagen Jetta 2.0T Station Wagon||$980||$490||$82|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can decrease or increase rates substantially.
How careless driving impacts car insurance rates
The illustration below illustrates how violations and at-fault fender-benders can influence Hyundai Sonata insurance rates for different ages of insureds. The prices are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.
Reduce your auto insurance rates with these five discounts
Companies don't necessarily list their entire list of discounts in an easy-to-find place, so we took the time to find some of the best known and the more hidden credits available to lower your premiums when you buy Stuart car insurance online.
- Senior Citizens - If you're over the age of 55, you are able to get a discount up to 10%.
- Accident Free - Claim-free drivers pay less when compared to drivers with a long claim history.
- Auto/Home Discount - If you have multiple policies with the same insurance company you could save up to 20% and get you affordable Stuart car insurance.
- Organization Discounts - Being a member of qualifying clubs or civic groups may earn a discount on your bill.
- Theft Prevention System - Vehicles that have factory alarm systems and tracking devices are stolen less frequently so companies will give you a small discount.
Remember that most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all the discounts add up to a free policy, that's just not realistic. Any qualifying discounts will lower your overall bill.
Some of the insurance companies that may offer policyholders some of the discounts shown above possibly include:
When quoting, ask each company or agent which discounts can lower your rates. Some credits might not be available to policyholders in every state. To find companies who offer discounts in Florida, click here.
You are unique and your auto insurance should be too
Always remember that when buying proper insurance coverage, there really is not a one-size-fits-all type of policy. Your needs are not the same as everyone else's so this has to be addressed. For instance, these questions might point out if your insurance needs would benefit from professional advice.
- Which is better, split liability limits or combined limits?
- Am I better off with higher deductibles on my vehicle?
- How can I get the company to pay a claim?
- What is PIP insurance?
- Am I covered when driving someone else's vehicle?
- Should I drop comprehensive coverage on older vehicles?
- Does my vehicle need full coverage?
- Does my medical payments coverage pay my health insurance deductible?
- Does coverage extend to a rental car in a foreign country?
If you don't know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.
Car insurance coverages
Having a good grasp of a auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.
Auto liability insurance
This coverage can cover damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 10/20/10 which stand for a limit of $10,000 per injured person, a total of $20,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.
Liability coverage pays for things such as legal defense fees, pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible. Florida state minimum liability requirements are 10/20/10 but you should think about purchasing more liability than the minimum.
Coverage for collisions
This coverage covers damage to your vehicle resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle's occupants and damage to your vehicle.
Since a lot of drivers only purchase the least amount of liability that is required (Florida limits are 10/20/10), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Coverage for medical payments
Med pay and PIP coverage pay for immediate expenses like surgery, funeral costs, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like theft, a broken windshield and hitting a bird. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.
There are still a few companies who may not offer internet price quotes and most of the time these regional insurance providers only sell coverage through independent insurance agents. Lower-priced insurance in Stuart can be purchased both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money.
We just presented a lot of tips how to find cheaper coverage online. The most important thing to understand is the more providers you compare, the better chance you'll have of finding cheap Stuart car insurance quotes. Consumers could even find that the most savings is with an unexpected company. These companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.
Additional information can be read below:
- Understanding your Policy (NAIC.org)
- How Much are Florida Car Insurance Quotes for a Ford F-150? (FAQ)
- What is the Best Cheap Auto Insurance in Miramar, FL? (FAQ)
- Who Has Cheap Car Insurance for Retired Military in Florida? (FAQ)
- Who Has Cheap Florida Auto Insurance for 18 Year Olds? (FAQ)
- How Much are Florida Car Insurance Quotes for Drivers Requiring a SR22? (FAQ)
- What is the Cheapest Auto Insurance in Hialeah, Florida? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Choosing an Insurance Company (Insurance Information Institute)