Do you need a better way to compare low-cost insurance rates in Wellington, FL? I can't think of a single person who anticipates paying for insurance, in particular when the cost is way too high.

Statistics show that nearly 70% of customers renewed their policy with the same company for at least four years, and roughly 40% of drivers have never compared rates from other carriers. Florida drivers could save themselves almost 55% a year by just comparing rate quotes, but they won't spend time to find lower-cost insurance by shopping around.

Many car insurance companies vie for your business, and it can be difficult to compare rates and get the definite best rates possible on insurance.

You should make it a habit to shop coverage around every six months since insurance prices trend upward over time. Just because you found the lowest rates on insurance a couple years back a different company probably has better premium rates today. Ignore everything you know about insurance because you're about to learn one of the quickest ways to reduce your cost while increasing coverage.

If you have insurance now, you stand a good chance to be able to reduce premiums using these methods. Finding affordable auto insurance coverage in Wellington can be much easier if you know how to start. Nevertheless, Florida consumers need to have an understanding of how big insurance companies determine how much to charge.

Most major insurance companies like State Farm, Allstate and GEICO give prices on their websites. Comparing insurance rates online is pretty easy because it's just a matter of typing in the coverage amounts you desire into a form. When the form is submitted, their rating system will order your driving record and credit report and gives you a price quote based on many factors. Being able to quote online makes it a lot easier to compare rates and it's also necessary to have as many quotes as possible if you want to get the lowest insurance rates.

In order to find out how much you're overpaying now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend you copy the coverages exactly as shown on your declarations page. Doing this assures you will have a rate comparison for similar insurance coverage.

The following companies have been selected to offer free rate quotes in Florida. To get cheaper car insurance in Florida, we recommend you get rates from several of them to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Wellington
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,314 $657 $110
Chevrolet Silverado LT Crew Cab 2WD $1,442 $721 $120
Dodge Ram Quad Cab Sport 4WD $1,864 $932 $155
Ford Escape XLS 4WD $1,054 $527 $88
Ford F-150 Lariat Crew Cab 4WD $1,416 $708 $118
Ford Focus SE 4-Dr Sedan $970 $485 $81
Ford Fusion SEL AWD 4-Dr Sedan $1,462 $731 $122
Honda Accord LX-P 4-Dr Sedan $1,038 $519 $87
Honda CR-V LX 2WD $1,040 $520 $87
Honda Civic Hybrid 4-Dr Sedan $1,378 $689 $115
Hyundai Sonata SE 4-Dr Sedan $1,256 $628 $105
Jeep Grand Cherokee Laredo 4WD $1,232 $616 $103
Mazda 3 I Sport 4-Dr Sedan $1,264 $632 $105
Nissan Altima 2.5 S 4-Dr Sedan $1,042 $521 $87
Toyota Camry SE $1,340 $670 $112
Toyota Corolla XLE $1,528 $764 $127
Toyota RAV4 Limited 4WD $1,424 $712 $119
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can influence premiums noticeably.

Car insurance deductibles

When comparing car insurance rates, the most common question is how high should your deductibles be. The comparisons below lay out how much more rates are between low and high comp and collision deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

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

Honda Accord insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord EX 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX-P 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord LX-P 4-Dr Sedan $280 $446 $354 $20 $106 $1,231 $103
Accord EX-L 4-Dr Sedan $322 $544 $354 $20 $106 $1,371 $114
Accord EX 2-Dr Coupe $322 $640 $472 $28 $142 $1,629 $136
Accord LX-S 2-Dr Coupe $322 $640 $472 $28 $142 $1,629 $136
Accord EX-L 2-Dr Coupe $364 $640 $472 $28 $142 $1,671 $139
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Honda Accord insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $174 $280 $354 $20 $106 $934 $78
Accord LX 4-Dr Sedan $174 $280 $354 $20 $106 $934 $78
Accord EX 4-Dr Sedan $174 $280 $354 $20 $106 $934 $78
Accord LX-P 4-Dr Sedan $174 $280 $354 $20 $106 $934 $78
Accord LX-P 4-Dr Sedan $174 $280 $354 $20 $106 $934 $78
Accord EX-L 4-Dr Sedan $200 $342 $354 $20 $106 $1,022 $85
Accord EX 2-Dr Coupe $200 $402 $472 $28 $142 $1,244 $104
Accord LX-S 2-Dr Coupe $200 $402 $472 $28 $142 $1,244 $104
Accord EX-L 2-Dr Coupe $224 $402 $472 $28 $142 $1,268 $106
Get a Quote for Your Vehicle Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in your specific Wellington location which can raise or lower rates greatly.

We can estimate from the data above that using a $250 deductible costs roughly $28 more each month or $336 annually than opting for the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 27 months between claims, you would more than likely save some money going with the higher deductible.

Physical damage deductible comparison

The example below illustrates how your choice of deductibles and can impact Ford Escape annual premium costs for different age categories. The rates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.

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

Protect more than your vehicle

Despite the high insurance cost in Wellington, insuring your vehicle may be mandatory for several reasons.

The benefits of carrying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. The average driver in America is overpaying more than $855 a year so it's recommended you shop around at every policy renewal to help ensure money is not being wasted.

Do you qualify for discounts?

Auto insurance is expensive, but companies offer discounts that could drop your premiums quite a bit. Some discounts will apply at the time you complete a quote, but some must be specifically requested prior to getting the savings. If you are not receiving all the discounts available, you could be saving more on your auto insurance.Save money with discounts

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

For a list of insurance companies offering auto insurance discounts in Wellington, click this link.

Do I need an insurance agent?

A small number of people prefer to get professional advice from a licensed agent and often times that is recommended A nice benefit of comparing rates online is that you can find cheaper premium rates but still work with a licensed agent. Buying from local agencies is important particularly in Wellington.

After filling out this quick form, your insurance coverage information is transmitted to insurance agents in Wellington who will give you quotes and help you find cheaper coverage. You won't need to contact any agents due to the fact that quote results will go directly to you. You can get cheaper car insurance rates AND an agent nearby. If for some reason you want to get a price quote from a specific insurance company, don't hesitate to visit that company's website and give them your coverage information.

Multiple types of car insurance agents in Wellington

If you're trying to find a reputable agency, you need to know there are two different types of agents and how they differ in how they quote coverages. Agencies in Wellington are either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

Agents that elect to be independent are not employed by one company and that allows them to write policies with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, they simply switch companies in-house and you can keep the same agent.

If you are comparing car insurance prices, we highly recommend that you include rate quotes from several independent agencies to get the best comparison.

Exclusive Insurance Agencies

Exclusive agents are contracted to one company like Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive insurance agents are well trained in insurance sales which helps them sell on service rather than price.

Deciding on a auto insurance agent should depend on more than just the quoted price. Any good agent in Wellington should know the answers to these questions.

How to know if you need help

When buying coverage, there really is no cookie cutter policy. Your financial needs are unique and your auto insurance should unique, too.Higher deductibles save money Here are some questions about coverages that can help discover whether your personal situation could use an agent's help.

If it's difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies.

Smart consumers save more

In this article, we covered a lot of information how to shop for car insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your prices. You may even find the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers may have significantly lower prices on certain market segments than the large multi-state companies such as GEICO and State Farm.

Discount car insurance in Wellington can be bought from both online companies and with local Wellington insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not have rates over the internet and these small insurance companies only sell coverage through independent agencies.

More tips and info about car insurance is available by following these links: