Are you looking for a better way to compare low-cost car insurance rates in Pensacola, FL? Think you have an overpriced car insurance policy? It's a common feeling and you're not the only one.

A recent survey discovered that nearly 70% of consumers renewed their policy with the same company for four years or more, and nearly the majority have never compared rates to find cheaper insurance. With the average car insurance premium being $2,160, Pensacola drivers can save approximately 55% each year just by comparing rates, but they don't believe the actual amount they would save if they swap their current policy for a cheaper one.

Vehicle owners have multiple insurers to insure vehicles with, and even though it's nice to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

The intent of this article is to familiarize you with how to compare rates easily and some money-saving tips. If you already have coverage, you will most likely be able to find the best rates using the ideas presented in this article. But Florida consumers do need to understand how companies calculate your policy premium because it can help you find the best coverage.

Car insurance companies in Florida

The following companies provide price comparisons in Pensacola, FL. If multiple companies are listed, it's a good idea that you click on several of them in order to get a fair rate comparison.

Insurance Estimates for Popular Vehicles in Pensacola
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $1,232 $616 $103
Chevrolet Equinox LTZ AWD $1,356 $678 $113
Chevrolet Silverado Crew Cab Hybrid 2WD $1,476 $738 $123
Dodge Grand Caravan SE $1,246 $623 $104
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,200 $600 $100
Ford Escape XLS 2WD $1,374 $687 $115
Ford F-150 SVT Raptor Super Cab 4WD $1,416 $708 $118
Ford Focus SEL 4-Dr Sedan $1,206 $603 $101
Honda Accord EX-L 2-Dr Coupe $1,268 $634 $106
Honda CR-V EX 4WD $1,084 $542 $90
Honda Civic DX 4-Dr Sedan $1,288 $644 $107
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,246 $623 $104
Mazda 3 I Sport 4-Dr Sedan $1,100 $550 $92
Nissan Altima 3.5 SR 4-Dr Sedan $1,356 $678 $113
Nissan Rogue SL 2WD $1,496 $748 $125
Toyota Camry XLE $1,484 $742 $124
Toyota Corolla XRS $1,192 $596 $99
Get Your Own Custom Quote Go

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific garaging location which can decrease or increase premiums substantially.

Auto insurance rates are higher with tickets and accidents

The illustration below illustrates how traffic citations and at-fault fender-benders can impact Ford Escape insurance costs for different categories of driver ages. The data assumes a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

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

Discount Pensacola auto insurance quotes

Auto insurance companies don't list their entire list of discounts in a way that's easy to find, so the list below gives a summary of a few of the more common and also the more inconspicuous credits available to you.Save money with discounts

As a footnote on discounts, many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, it doesn't quite work that way.

Companies and their offered discounts are included below.

When getting a coverage quote, ask all the companies how many discounts you can get. All car insurance discounts might not be offered on policies in Pensacola. If you would like to view auto insurance companies who offer free auto insurance quotes in Florida, click this link.

Pensacola auto insurance premiums are influenced by these factors

Multiple criteria are part of the calculation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other factors are more transparent like where you live or your financial responsibility.

The list below includes some of the items used by companies to determine your prices.

Tailor your insurance coverage to you

When quoting and choosing your policy for your personal vehicles, there really isn't a best way to insure your cars. Everyone's situation is unique so your insurance should reflect thatSafe vehicles cost less to insure Here are some questions about coverages that could help you determine whether you might need professional guidance.

If you can't answer these questions, you might consider talking to an insurance agent. If you don't have a local agent, complete this form or go to this page to view a list of companies.

Best and worst vehicle claim statistics

Is your vehicle a claim risk? The statistics tables below list the highest and lowest manufacturer models for the probability of having to file claims for each type of coverage listed.

Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Maserati Quattroporte
Ford F-350 Maserati Granturismo
Chevy Silverado 2500 Audi S7
Infiniti QX50 BMW M6
GMC Sierra 2500 Mercedes-Benz S Class
Volvo V60 Bentley Continental GTC

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

Vehicles with the Lowest and Highest Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Nissan Sentra
Ford F-250 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Chevrolet Sonic
Tesla Model S Kia Forte
Ford F-350 SuperCrew Chevrolet Spark
Ford Expedition Mitsubishi Lancer

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

Collision Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew Bently Continental GT
Chevrolet Colorado Bentley Continental Flying Spur
Jeep Wrangler Audi RS7
Nissan Xterra Bently Continental GTC
Ford F-250 SuperCab Nissan GT-R
Ford Edge BMW 6 Series

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

Liability Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Mitsubishi Mirage
Subaru Outback Mitsubishi Lancer
Mercedes-Benz SL Class Chrysler 200
Volvo XC60 Chevrolet Impala
Subaru Forester Chevrolet Sonic
Chevrolet Corvette Kia Optima

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

Don't give up on cheap premiums

Some insurance companies do not provide rates over the internet and these small, regional companies prefer to sell through local independent agents. Cheaper auto insurance in Pensacola can be bought on the web and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage and learned later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

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