For teachers and educators, one of the big criteria that are used to help calculate auto insurance rates is where you keep your car. More populated areas like Hialeah, Miami Gardens, and West Palm Beach tend to pay slightly more, whereas more rural areas have the benefit of cheaper auto insurance prices.
The next table sorts the most expensive places in Florida for teachers to buy auto insurance in.
|5||West Palm Beach||$2,705|
|20||Port St. Lucie||$1,975|
|Compare Rates Now Go|
Annual rates are estimated as the specific garaging location can alter rates considerably.
Shopping around for budget auto insurance is confusing at best, and deciding which companies quote the most affordable auto insurance rates for teachers in Florida will take even more perseverance. Coverage rates will more than likely be slightly less expensive than the state average, with the decrease attributed to the posibility of fewer claims associated with offering insurance for teachers and educators. Cost-effective coverage should be possible from many preferred companies. Every insurance company has a different formula for determining prices, so we'll go over the auto insurance companies with the overall cheapest rates in Florida.
It's a good idea to know that Florida auto insurance rates are impacted by many factors that will increase or decrease your annual premium. Improving your credit score, adding a teenager to your policy, or getting a DUI can trigger changes in premium that may make certain companies more expensive than competitors.
Best Auto Insurance Prices for Educators
USAA has some of the cheapest car insurance rates in Florida at around $948 annually. This is $1,500 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury would also make the list of some of the more affordable Florida insurance companies.
As the rates illustrate above, if you are a policyholder with Amica and switched to USAA, you could realize an annual savings of upwards of $798. Customers with Progressive might save as much as $881 a year, and Mercury insureds might reduce rates by $966 a year.
To see if your current coverage is too expensive, click here to get quotes or feel free to get quotes from the companies below.
Understand that those prices are averages across all ages of drivers and types of vehicles and and are not calculated with a rate decrease for teachers. So the car insurance company that fits your needs best may not even be in the list above. That underscores the importance of why you need to get quotes using your own personal information and vehicle type.
Ending up with the best auto insurance provider can be rather challenging considering how many choices there are in Florida. The information displayed below could help you pick which companies to look at purchasing coverage from. These ratings include major nationwide insurance companies, so companies that only write business in Florida or surrounding areas will not be included in this list.
Top 10 Large Auto Insurance Providers in Florida Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurance Providers in Florida Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Get discounts on Florida car insurance rates
Insurers that provide coverage for teachers may additionally offer rate discounts that may potentially lower prices by as much as 40% or more if you qualify for them. Popular auto insurance companies and some of their more popular discounts are included below.
- American Family has discounts for Steer into Savings, mySafetyValet, multi-vehicle, TimeAway discount, defensive driver, air bags, and accident-free.
- Farm Bureau offers discounts for multi-policy, renewal discount, 55 and retired, good student, safe driver, and youthful driver.
- State Farm may offer discounts for safe vehicle, multiple policy, good driver, Drive Safe & Save, and good student.
- Travelers may have discounts that include continuous insurance, payment discounts, driver training, multi-car, and student away at school.
- The Hartford offers discounts including anti-theft, bundle, defensive driver, air bag, driver training, good student, and vehicle fuel type.
- GEICO includes discounts for multi-policy, anti-theft, military active duty, multi-vehicle, membership and employees, driver training, and emergency military deployment.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, online signing, homeowner, multi-policy, continuous coverage, and good student.
The chart below shows the comparison of auto insurance costs with and without some available policy discounts. The rates are based on a female driver, no claims or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, homeowner, defensive driving course, accident-free, anti-theft, and vehicle safety discounts applied. When discounts are factored in, the average savings per year on auto insurance for teachers is 28% or $785.
Chances are good that you're overpaying for Florida car insurance
Florida auto insurance rates are determined by lots of factors that may substantially change the price you have to pay. Simply getting older, moving to a new city, or getting into an accident may cause policy rate changes resulting in some rates now being cheaper than competitors. Not only may your risk profile change, but insurers change rates multiple times each year to ensure their profitability. Significantly higher losses can cause additional premium costs, while a profitable period may cause lower-priced Florida car insurance rates.
To help illustrate this point, the data below shows the companies that have the cheapest car insurance in Florida for a 30-year-old male driver with a clean driving record, no accidents, and solid credit. If we estimate rates based on his current situation, USAA quotes the lowest car insurance rates in Florida at $977 a year. This is $1,471 less than the average rate paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are the remainder of the best Florida auto insurance companies.
The next chart shows rates after we give the driver from above an accident surcharge, bad credit, and a few blemishes on his driving record. Because every insurance company uses their own formula for determining rates, analyzing rates could now result in a different set of affordable companies as shown below.
USAA now has the cheapest rate in Florida with Mercury, Esurance, State Farm, and Auto-Owners also being competitive. This example illustrates why consumers need to shop around with many companies when trying to get the most economical car insurance rates for teachers. Auto insurance prices can be altered by many risk factors and change substantially, so the cheapest option three years ago may now be an over-priced policy.
How to find low-cost insurance for teachers
It is possible to find better rates, and here are a few money-saving solutions that can help Florida drivers quote low-cost car insurance.
- Avoid filing excessive claims
- At-fault accidents will increase rates
- Be a safe driver
- Assess whether full coverage is needed
- Raise deductibles to save money
- Shop around for cheaper prices often
The last item on the list is incredibly necessary, as we noted in the article above. Car insurance prices vary considerably, so drivers shouldn't hesitate to buy from a new company if a more affordable rate is found.
Loyalty to a specific company is fine, but is isn't recommended if that faithfulness ends up costing you money that could be used for better things. Take a few minutes and compare prices to find cheaper car insurance for teachers.