Are you tired of trying to find lower-priced insurance rates in Bonita Springs, FL? Are you frustrated by the wide range of insurance sources that you can choose from? Many other drivers are as well. Vehicle owners have so many sources to choose from that it can really be a lot of work to find the lowest price. Bonita Springs is the perfect city to reside in, but high insurance rates can make it hard for many residents to afford enough coverage.

Astonishing but true, over 70% of drivers have been with the same company for at least the last four years, and approximately 38% of consumers have never even shopped around for cheap coverage. Many drivers in Florida could pocket 55% a year, but they don't understand how simple it is to find cheap insurance rates.

It's important to take a look at other company's rates as often as possible because prices are variable and change quite frequently. Even if you got the lowest rates on insurance on your last policy you can probably find a better premium rate now. Ignore everything you know about insurance because you're about to find out the best way to find better coverage on insurance at a better price.

Cheapest companies for Bonita Springs auto insurance

The following companies offer comparison quotes in Florida. If your goal is to find cheap car insurance in Florida, we suggest you compare several of them to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Bonita Springs
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,224 $612 $102
Chevrolet Silverado LS Regular Cab 4WD $1,154 $577 $96
Dodge Ram Crew Cab TRX 4WD $1,616 $808 $135
Ford Escape Limited 2WD $1,284 $642 $107
Ford F-150 FX4 Super Cab 4WD $1,348 $674 $112
Ford Focus S 4-Dr Sedan $1,340 $670 $112
Ford Fusion SE 4-Dr Sedan $1,728 $864 $144
Honda Accord LX-S 2-Dr Coupe $1,372 $686 $114
Honda CR-V LX 4WD $1,398 $699 $117
Honda Civic LX 4-Dr Sedan $1,318 $659 $110
Hyundai Elantra SE 4-Dr Sedan $1,296 $648 $108
Jeep Grand Cherokee Limited 2WD $1,250 $625 $104
Nissan Altima 2.5 S 2-Dr Coupe $1,282 $641 $107
Nissan Rogue SL 2WD $1,578 $789 $132
Toyota Camry SE $1,502 $751 $125
Toyota Corolla XLE $1,548 $774 $129
Get Your Own Custom Quote Go

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can revise premium rates significantly.

How accidents and tickets impact rates in Bonita Springs

The diagram below illustrates how speeding tickets and accidents can increase Dodge Ram insurance costs for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Bonita Springs insurance costs by gender and age

The information below visualizes the comparison of auto insurance costs for male and female drivers in Bonita Springs. The information is based on no claims or driving violations, full coverage, $250 deductibles, drivers are not married, and no discounts are applied to the premium on a GMC Acadia SL.

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

Auto insurance deductibles

The illustration below shows how different deductible levels and can impact GMC Acadia premium costs for different ages of insureds. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.

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

Do you qualify for discounts?

Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. Certain credits will be shown when you quote, but a few must be inquired about prior to getting the savings.Save money with discounts

A quick disclaimer, most discounts do not apply to the whole policy. Most cut specific coverage prices like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

Large insurance companies and some of the discounts are included below.

Before buying, ask every prospective company which discounts you qualify for. A few discounts may not apply to policies in your state.

Four ways to get auto insurance at a discount in Bonita Springs

It's important that you understand a few of the rating criteria that aid in calculating auto insurance rates. When consumers understand what determines base rates, this allows you to make good choices that could result in cheaper rates.

The itemized list below are some of the items utilized by car insurance companies to help set rates.

Insurance agents can help

When quoting and comparing your policy for your personal vehicles, there really is no one size fits all plan. Everyone's situation is unique and a cookie cutter policy won't apply.Auto insurance savings These are some specific questions may help you determine whether you will benefit from professional help.

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Local Bonita Springs insurance agents

Many people still like to talk to a local agent and that is a smart decision One of the best bonuses of price shopping on the web is that you can find cheap auto insurance quotes but also keep your business local. Buying from and supporting neighborhood agents is important particularly in Bonita Springs.

Bonita Springs insurance agentsAfter filling out this short form, the quote information is immediately sent to participating agents in Bonita Springs who can give free rate quotes for your insurance coverage. You won't even need to do any legwork since rate quotes are delivered to the email address you provide. Get lower rates and a licensed agent to work with. If you have a need to compare prices from a particular provider, you can always navigate to their website to submit a rate quote request.

If you need to find local Bonita Springs agents, it can be helpful to understand the different types of agents and how they can write your policy. Bonita Springs agents can be categorized as either independent agents or exclusive agents.

Independent Auto Insurance Agents

These type of agents do not have single company limitations and that allows them to write policies amongst many companies and get you the best rates possible. If you are not satisfied with one company, they simply move your policy to a different company which is easy for the insured. When shopping rates, you will definitely want to get some free quotes from at least one independent agent to get the most accurate price comparison. Most also have access to mutual insurance companies that may have much lower rates than larger companies.

Exclusive Insurance Agents

These type of agents can only quote rates from one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot give you multiple price quotes so if the price isn't competitive there isn't much they can do. These agents are well trained on their company's products and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents partially due to the brand and solid financial strength.

Finding a good insurance agency needs to be determined by more than just the quoted price. A good agent in Bonita Springs will have answers to these questions.

Insurance claim statistics

Are you driving a statistically high-claim vehicle? The next tables show the worst and best makes and models for the probability of having to file claims for each type of coverage.

Lowest and Highest Bodily Injury Liability Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Mercedes-Benz SL Class Chevrolet Impala
Audi A6 Chevrolet Cruze
Subaru Outback Kia Optima
Chevrolet Corvette Mitsubishi Mirage
Volvo XC60 Hyndai Accent
Subaru Forester Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 Bentley Continental GTC
Nissan Leaf BMW M6
Nissan Xterra Maserati Quattroporte
GMC Sierra 2500 Bentley Continental GT
Infiniti QX50 Audi S7
Ford F-350 Porsche Panamera GTS

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Collision Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford Edge Bently Continental GTC
Nissan Xterra Nissan GT-R
GMC Canyon Maserati Ghibli
Mini Cooper BMW 6 Series
Smart ForTwo Ferrari 458
Jeep Wrangler Audi RS7

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 3500 Kia Forte
Audi A4 Allroad Chevrolet Sonic
Ford Expedition Chevrolet Spark
Chevrolet Corvette Chrysler 200
Tesla Model S Dodge Charger

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The best rates come from being thorough

When shopping online for auto insurance, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage for the lowest price.

There are still a few companies who may not have online price quotes and usually these small, regional companies prefer to sell through independent insurance agents. Cheap auto insurance in Bonita Springs is available on the web in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis.

Additional information is available on the following sites: