Did budget coverage turn out to be overpriced auto insurance? Believe me, you're not alone.

Regrettably, the vast majority of consumers kept their policy with the same company for a minimum of four years, and nearly half have never compared rates with other companies. The average driver in America could pocket nearly $860 a year by just comparing rate quotes, but they won't spend time to find cheaper rates by getting comparison quotes.

Big-name insurance companies like GEICO, 21st Century and Progressive all claim big savings, bombarding you with TV and radio ads and it can be hard to separate fact from fiction and do the work needed to find the best deal.

Consumers need to quote other rates every six months because prices are adjusted regularly by insurance companies. Just because you had the best rate on auto insurance on your last policy there may be better deals available now. Forget all the misinformation about auto insurance because you're about to find out the only way to find the best coverage while lowering your premiums.

When looking for inexpensive Oakland Park auto insurance quotes, there are a couple ways to compare prices from many different Florida insurance companies. One of the best ways to comparison shop is to get quotes online.

Comparing free price quotes online is easy and it, makes it a waste of time to spend time driving to and from local insurance agencies. The fact that you can get quotes online has made agencies unnecessary unless you prefer the trained guidance of an agent trained in personal lines coverage. However, consumers can compare online quotes but buy the policy through an agent. When quoting car insurance, remember that comparing all the rates in your area increases your odds of finding a better price.

The following companies are ready to provide free rate quotes in Florida. If multiple companies are listed, it's a good idea that you visit as many as you can to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Oakland Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,408 $704 $117
Chevrolet Impala LT $1,266 $633 $106
Chevrolet Malibu Hybrid $1,108 $554 $92
Chevrolet Silverado LTZ Crew Cab 2WD $1,332 $666 $111
Dodge Ram Crew Cab ST 4WD $1,270 $635 $106
Ford Edge Limited AWD $1,228 $614 $102
Ford Escape XLT 2WD $1,246 $623 $104
Ford F-150 Lariat King Ranch 4WD $1,386 $693 $116
Ford Focus SES 4-Dr Sedan $1,298 $649 $108
Honda Accord EX 4-Dr Sedan $928 $464 $77
Honda CR-V EX 2WD $1,224 $612 $102
Honda Civic EX-L 4-Dr Sedan $1,254 $627 $105
Hyundai Sonata GLS 4-Dr Sedan $1,300 $650 $108
Kia Optima EX $1,442 $721 $120
Nissan Altima 2.5 S 4-Dr Sedan $1,208 $604 $101
Nissan Rogue S 2WD $1,060 $530 $88
Toyota Camry SE $1,548 $774 $129
Toyota Corolla XLE $1,690 $845 $141
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,280 $640 $107
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in specific location which can raise or lower coverage rates substantially.

Driving violations and accidents

The diagram below highlights how speeding tickets and at-fault claims can affect Kia Optima car insurance costs for different ages of insureds. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Policy deductible comparison

One frequently asked question is which deductible level should you buy. The tables below may help you to understand how much more rates are when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

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

Ford Fusion insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $322 $544 $418 $24 $124 $1,457 $121
Fusion SE 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Fusion Hybrid 4-Dr Sedan $364 $736 $522 $30 $156 $1,833 $153
Fusion SEL 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Fusion Sport 4-Dr Sedan $364 $640 $418 $24 $124 $1,595 $133
Fusion SEL AWD 4-Dr Sedan $406 $736 $418 $24 $124 $1,733 $144
Fusion Sport AWD 4-Dr Sedan $406 $736 $418 $24 $124 $1,733 $144
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Ford Fusion insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $262 $438 $418 $24 $124 $1,266 $106
Fusion SE 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Fusion Hybrid 4-Dr Sedan $296 $594 $522 $30 $156 $1,598 $133
Fusion SEL 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Fusion Sport 4-Dr Sedan $296 $516 $418 $24 $124 $1,378 $115
Fusion SEL AWD 4-Dr Sedan $330 $594 $418 $24 $124 $1,490 $124
Fusion Sport AWD 4-Dr Sedan $330 $594 $418 $24 $124 $1,490 $124
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can increase or decrease insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $18 more each month or $216 each year than opting for the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 14 months between claim filings, you would save money if you choose the higher deductible. Here is a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $137
Average monthly premium for $500 deductibles (subtract): - $119
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

How much insurance do I need?

Always remember that when buying adequate coverage for your vehicles, there isn't really a single plan that fits everyone. Everyone's situation is a little different and your policy should reflect that.Drive safe and save For instance, these questions might help in determining if you might need an agent's assistance.

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

When should I get advice from an insurance agency?

Some consumers just prefer to talk to an insurance agent and that can be a great decision One of the great benefits of comparing rate quotes online is the fact that you can find cheap insurance quotes and still have an agent to talk to.

Oakland Park insurance agentsAfter completing this quick form, your insurance data is submitted to companies in Oakland Park who can give free rate quotes for your insurance coverage. There is no need to contact an agency because prices are sent to the email address you provide. Get lower rates and work with a local agent. If you need to compare rates from a specific insurance company, just find their quoting web page to submit a rate quote request.

Finding the right insurance company is decision based upon more than just the price. Before buying a policy in Oakland Park, get answers to these questions.

Exclusive and independent Oakland Park auto insurance agents

When searching for a local Oakland Park insurance agency, you need to know there are two different types of agents and how they differ in how they quote coverages. Insurance agencies in Oakland Park are considered either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents that choose to be exclusive are contracted to one company and examples are State Farm, Allstate, or Farmers Insurance. They usually cannot provide other company's prices so keep that in mind. Exclusive insurance agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.

Independent Insurance Agents

Agents that choose to be independent often have many company appointments and that is an advantage because they can write policies amongst many companies and find the cheapest insurance rates. If you are not satisfied with one company, your agent can just switch to a different company and that require little work on your part.

If you need cheaper insurance rates, you will definitely want to contact a couple of independent agencies in order to compare the most rates.