No car owner enjoys paying for car insurance, particularly when they could find better prices if they shop around.

Sad but true, most consumers kept their policy with the same company for at least the last four years, and just short of a majority have never shopped around. Consumers in Rockledge can save hundreds of dollars each year just by shopping around, but they just assume it's a time-consuming process to find cheap rates by getting comparison quotes.

Numerous insurance companies battle for your business, and it can be difficult to compare rates to discover the definitive lowest cost out there.

If you have a current insurance policy, you will surely be able to find better prices using these tips. Buying the cheapest insurance in Rockledge is actually quite simple. But Florida car owners do need to learn the way companies set your policy premium because it can help you find the best coverage.

Are you snagging every discount?

Companies offering auto insurance do not list every discount very well, so we took the time to find both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.Cheaper insurance with discounts

We need to note that many deductions do not apply to the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, nobody gets a free ride.

A list of insurance companies and a summarized list of policyholder discounts can be read below.

Before buying, ask each company which discounts you may be entitled to. Savings might not apply in every state. For a list of insurers offering insurance discounts in Rockledge, click this link.

Most of the larger companies allow consumers to get price estimates directly from their websites. Obtaining pricing is pretty painless as all you need to do is type in the amount of coverage you want into the form. After you submit the form their quoting system sends out for your driving and credit reports and returns a price quote determined by many factors. The ability to get online quotes makes it easy to compare insurance prices and it is imperative to do this if you want to find the best possible rates on car insurance.

To get comparison pricing now, compare rates from the companies below. To compare your current rates, we recommend you copy your coverages as shown on your current policy. This helps ensure you're receiving an apples-to-apples comparison based on the exact same insurance coverage.

The companies in the list below have been selected to offer free rate quotes in Florida. If your goal is to find the best cheap car insurance in Florida, we suggest you get prices from several of them to find the cheapest car insurance rates.

Insurance Rate Estimates for Popular Vehicles in Rockledge
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,344 $672 $112
Chevrolet Silverado Crew Cab Hybrid 2WD $1,660 $830 $138
Dodge Grand Caravan SXT $1,518 $759 $127
Dodge Ram Crew Cab Laramie 4WD $1,376 $688 $115
Ford Escape Limited 2WD $1,446 $723 $121
Ford F-150 FX4 Super Cab 4WD $1,264 $632 $105
Ford Focus S 4-Dr Sedan $1,378 $689 $115
Honda Accord LX-P 4-Dr Sedan $1,068 $534 $89
Honda CR-V LX 4WD $1,110 $555 $93
Honda Civic LX-S 4-Dr Sedan $1,486 $743 $124
Honda Odyssey EX $1,558 $779 $130
Hyundai Sonata Limited 4-Dr Sedan $1,892 $946 $158
Nissan Altima 2.5 S 2-Dr Coupe $1,580 $790 $132
Toyota Camry SE $1,520 $760 $127
Toyota Corolla XLE $1,168 $584 $97
Toyota Prius $1,170 $585 $98
Toyota Tacoma Double Cab 4WD $1,146 $573 $96
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in vehicle location which can impact rates substantially.

Poor driving habits will raise your auto insurance rates

The illustration below demonstrates how citations and at-fault claims can influence Ford Focus annual premium costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

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

Should you raise deductibles?

The information below demonstrates how deductible levels and can increase or decrease Honda Accord insurance costs for each age group. The prices are based on a married male driver, full coverage, and no policy discounts are applied.

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

Get cheaper car insurance with these tips

Multiple criteria are part of the equation when quoting car insurance. Most are fairly basic like your driving record, although others are less obvious like your vehicle usage or your commute time. When buying car insurance it's important to understand the factors that are used to determine the rates you pay for car insurance. If you have some idea of what controls the rates you pay, this enables informed choices that can earn you big savings.

Independent and exclusive car insurance agents

Many people still like to sit down and talk to an agent and that is just fine! One of the great benefits of getting online price quotes is you can get lower rates and also buy local. Buying from neighborhood agents is still important in Rockledge.

Find insurance agent in RockledgeTo find an agent, once you fill out this short form, the coverage information is immediately sent to local insurance agents who will give you bids for your insurance coverage. There is no reason to drive around since price quotes are sent to the email address you provide. You can most likely find cheaper rates AND an agent nearby. If you wish to get a comparison quote from a particular provider, you can always jump over to their website to submit a rate quote request.

If you want to buy car insurance from a local Rockledge insurance agency, there are two different types of agents and how they can service your needs differently. Insurance agencies in Rockledge can be classified as either exclusive or independent agents depending on their company appointments.

Independent Agents

Independent insurance agents are not required to write business for one company and that allows them to write policies with lots of companies and get you the best rates possible. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency.

When comparing car insurance rates, we recommend you compare quotes from at a minimum one independent agency to have the most options to choose from.

Exclusive Agents

Exclusive insurance agents can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot shop your coverage around so they have to upsell other benefits. They are well trained on their products and sales techniques which helps them compete with independent agents.

Finding the right insurance agency requires you to look at more than just the bottom line cost. Any agent in Rockledge should have no problem answering these questions:

Auto insurance is not optional

Despite the high insurance cost in Rockledge, paying for auto insurance is a good idea for several reasons.

The benefits of carrying adequate insurance are without a doubt worth the cost, especially if you ever need it. The average driver in America is currently overpaying as much as $825 a year so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.

The best rates come from being thorough

We've covered a lot of tips how to shop for car insurance online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest prices are with some of the lesser-known companies. They often have lower rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

When shopping online for car insurance, you should never buy less coverage just to save a little money. In many cases, an insured cut physical damage coverage and discovered at claim time that they should have had better coverage. Your objective should be to buy the best coverage you can find at the best cost, but do not skimp to save money.

There are still a few companies who don't offer internet price quotes and these small insurance companies provide coverage only through independent agents. Cheaper car insurance in Rockledge is definitely available on the web and also from your neighborhood Rockledge agents, and you need to price shop both to have the best chance of lowering rates.

Additional car insurance information is available below: