Are you doing reasearch to find more affordable auto insurance rates in Pinecrest, FL? Pinecrest shoppers have lots of choices when shopping for low-cost car insurance. You can either spend your time struggling with agents to get rate comparisons or save time using the internet to find the lowest rates. There are both good and bad ways to compare auto insurance rates and we'll show you the best way to price shop coverage for your and locate the lowest possible price either online or from Pinecrest insurance agents.

It's important to compare prices at least once a year because prices tend to go up over time. Even if you got the lowest quotes on auto insurance last year you can probably find a better rate now. Block out anything you think you know about auto insurance because you're about to learn the quickest way to find great coverage at a great price.

If you have a policy now or are just looking to switch companies, you can use these techniques to get lower rates and still have adequate protection. This article will let you in on how car insurance quotes work and some tricks to saving. Comparison shoppers just have to use the tricks to get comparison quotes from many different companies online.

The providers in the list below can provide quotes in Florida. If multiple companies are listed, we recommend you get rates from several of them to find the cheapest car insurance rates.

Insurance Cost Estimates for Popular Vehicles in Pinecrest
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,332 $666 $111
Dodge Ram Crew Cab TRX 2WD $1,492 $746 $124
Ford Edge Sport 2WD $1,536 $768 $128
Ford Escape XLT 4WD $1,242 $621 $104
Ford F-150 Lariat Super Cab 4WD $1,486 $743 $124
Ford Focus S 4-Dr Sedan $1,746 $873 $146
Honda Accord LX-P 4-Dr Sedan $836 $418 $70
Honda CR-V LX 2WD $1,400 $700 $117
Honda Civic LX 2-Dr Coupe $1,364 $682 $114
Hyundai Elantra GLS Touring Station Wagon $914 $457 $76
Hyundai Sonata Limited 4-Dr Sedan $1,454 $727 $121
Nissan Altima 2.5 S 4-Dr Sedan $1,690 $845 $141
Nissan Rogue S 2WD $1,750 $875 $146
Toyota Camry XLE $1,374 $687 $115
Toyota Corolla XLE $1,520 $760 $127
Toyota RAV4 Sport 2WD $1,266 $633 $106
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,480 $740 $123
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can influence premium rates greatly.

Price comparison of only insuring for liability

The diagram below shows the comparison of Ford Focus auto insurance costs with full coverage and liability only. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, single female driver, and no other discounts are factored in.

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

When to drop comp and collision

There is no clear-cut formula that works best for making the decision to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Ford Focus book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $5,000 after the deductible is paid. If it's costing in excess of $500 annually to have full coverage, then it might be time to consider dropping full coverage.

There are some cases where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not drop full coverage.

Reckless driving habits raise Pinecrest car insurance rates

The illustration below illustrates how speeding tickets and at-fault claims raise Nissan Altima insurance prices for different age categories. Data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison for different deductibles

The diagram below shows how choosing a deductible and can increase or decrease Nissan Altima insurance premiums for different age categories. The price estimates are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Slash your auto insurance rates with discounts

Auto insurance is not inexpensive, but companies offer discounts that can drop the cost substantially. A few discounts will be applied at the time of quoting, but less common discounts must be manually applied prior to receiving the credit.Discount auto insurance

As a disclaimer on discounts, some credits don't apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like it's possible to get free car insurance, companies wouldn't make money that way.

Companies who might offer most of the discounts above are:

If you need cheap Pinecrest auto insurance quotes, ask each company what discounts are available to you. Depending on the company, some discounts might not be offered in every state. For a list of companies who offer free auto insurance quotes in Florida, follow this link.

Car insurance is not optional in Florida

Despite the high cost, insurance may be required and benefits you in several ways.

The benefits of carrying adequate insurance definitely exceed the price paid, especially if you ever need it. The average driver in Florida is currently overpaying as much as $865 each year so you should quote and compare rates at least once a year to ensure rates are competitive.

You are unique and your auto insurance should be too

When choosing the best auto insurance coverage, there isn't really a perfect coverage plan. Everyone's situation is a little different.Higher deductibles save money

For instance, these questions might point out if you might need an agent's assistance.

If you can't answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It's fast, doesn't cost anything and you can get the answers you need.

Claim statistics by make and model

Do you own a vehicle likely to have a claim? The statistics below outline the good and bad makes and models for the probability of filing claims for each type of coverage.

Comprehensive Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Volvo V60 Porsche Panamera GTS
Nissan Leaf Mercedes-Benz S Class
Ford F-350 Bentley Continental GT
Smart ForTwo Maserati Quattroporte
Nissan Xterra BMW M6
Chevy Spark BMW M6

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

Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Chrysler 200
Chevrolet Silverado 3500 Chevrolet Sonic
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Kia Forte
Ford F-250 SuperCrew Hyundai Accent
Chevrolet Silverado 2500 Chevrolet Spark

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

Lowest and Highest Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Maserati Granturismo
Ford Edge BMW 6 Series
Ford F-250 SuperCab Bently Continental GTC
Ford F-150 SuperCrew Bentley Continental Flying Spur
Jeep Wrangler Ferrari 458
Smart ForTwo Bently Continental GT

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

Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Kia Rio
Acura MDX Chevrolet Sonic
Audi A6 Dodge Charger
Chevrolet Corvette Mitsubishi Mirage
Volvo XC60 Chrysler 200
Mercedes-Benz SL Class Chevrolet Impala

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