Comparison shopping for low cost car insurance is quite difficult for drivers not familiar with quoting and comparing prices online. With a ridiculous number of online companies available, it can turn into a burden to find the lowest price on car insurance.

Unbelievable but true according to a study nearly 70% of customers have stayed with the same insurance company for more than four years, and nearly 40% of drivers have never even shopped around for cheaper coverage. With the average premium in the United States being $1,847, drivers could cut their rates by roughly $859 a year just by comparing rates, but they just don't want to compare rates.

If you have a policy now, you stand a good chance to be able to get lower rates using these techniques. Obtaining price quotes for the lowest-priced protection in Jupiter is not that difficult. But Florida vehicle owners must know how the larger insurance companies compete online.

Best companies for cheap rate quotes in Florida

The providers in the list below can provide free quotes in Florida. If you want to find cheap car insurance in Florida, we suggest you visit two to three different companies in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Jupiter
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Crew Cab 2WD $1,268 $634 $106
Dodge Grand Caravan Hero $1,102 $551 $92
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,616 $808 $135
Ford Escape XLS 2WD $946 $473 $79
Ford Explorer XLT AWD $1,674 $837 $140
Ford F-150 XLT Regular Cab 2WD $1,250 $625 $104
Ford Focus SES 4-Dr Sedan $1,138 $569 $95
Ford Fusion Hybrid 4-Dr Sedan $1,392 $696 $116
Honda Accord LX-P 4-Dr Sedan $946 $473 $79
Honda CR-V EX-L 4WD $1,382 $691 $115
Honda Civic SI 4-Dr Sedan $1,558 $779 $130
Honda Odyssey EX-L $1,344 $672 $112
Mazda 3 S Grand Touring 4-Dr Sedan $1,596 $798 $133
Nissan Altima 2.5 S 4-Dr Sedan $1,168 $584 $97
Toyota Camry Hybrid $1,454 $727 $121
Toyota Corolla XRS $1,192 $596 $99
Volkswagen Jetta 2.0T Station Wagon $1,106 $553 $92
Get Your Own Custom Quote Go

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in specific zip code location which can raise or lower auto insurance rates significantly.

Policy deductibles

The chart below demonstrates how deductibles and can influence Chevrolet Silverado yearly insurance costs for different age groups. The rates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Drive responsibly or pay higher rates

The information below illustrates how speeding tickets and at-fault claims increase Toyota Camry car insurance costs for each different age category. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Affordable rates by receiving discounts

The cost of insuring your cars can be expensive, but there could be significant discounts that can dramatically reduce your bill. Certain credits will be shown when you get a quote, but some may not be applied and must be asked for prior to getting the savings.Auto insurance discounts

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, auto insurance companies aren't that generous.

A few popular companies and the discounts they provide are outlined below.

Check with every prospective company which discounts they offer. Depending on the company, some discounts may not apply to policyholders in Jupiter. For a list of companies offering auto insurance discounts in Jupiter, follow this link.

What impacts Jupiter auto insurance rates?

The best way to find cheaper car insurance is to take a look at some of the factors that aid in calculating your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find cheaper rates.

The list below includes some of the most common factors utilized by car insurance companies to help set your rate level.

What's your car's NHTSA crash test rating? - Safer cars are cheaper to insure. Safer cars reduce occupant injuries and any reduction in injury severity translates directly to fewer claims which can mean better rates for you.

Minor frequent policy claims are not good - Car insurance companies in Florida provide better rates to insureds who do not file claims often. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended for more catastrophic claims.

Obey driving laws and save - Even one driving citation can increase the cost of insurance by as much as thirty percent. Careful drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have license-revoking violations such as DUI or willful reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.

Do men or women drive better? - Over the last 50 years, statistics have shown females are less aggressive when driving. However, don't assume that men are worse drivers. Males and females cause auto accidents in similar numbers, but the males cause more damage. Men also statistically receive more costly citations such as reckless driving.

Continuous coverage lowers prices - Having a gap between insurance policy dates can be a fast way to trigger a rate increase. In addition to paying higher premiums, not being able to provide proof of insurance might get you a revoked license or a big fine. Then you may be required to prove you have insurance by filing a SR-22 with the Florida department of motor vehicles.

Insurance is available from your local insurance agencies

Certain consumers would prefer to talk to an insurance agent and there is nothing wrong with that. One of the benefits of comparing rates online is that you can find cheap insurance rates but still work with a licensed agent.

Jupiter insurance agentsUpon completion of this form (opens in new window), the quote information is transmitted to participating agents in Jupiter who will return price quotes for your business. You won't need to contact any insurance agencies due to the fact that quote results will go directly to your email. You can get cheaper insurance rates AND a local agent. If you need to quote rates from a specific insurance provider, just visit that company's website and submit a quote form there.

Choosing the best insurer should depend on more than just a cheap price quote. Agents should be asked these questions:

Best and worst vehicle claim statistics

Which vehicles tend to have high claims? The following claim statistics show the highest and lowest cars and trucks for likelihood of having claims organized by coverage.

Medical Payment Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Dodge Charger
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Nissan Versa
Land Rover Range Rover Sport Chevrolet Sonic
Tesla Model S Mitsubishi Mirage
Ford Expedition Hyundai Accent

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

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab BMW M6
Ford Edge Ferrari 458
Chevrolet Colorado Bently Continental GTC
GMC Canyon Bently Continental GT
Jeep Wrangler Maserati Ghibli
Ford F-150 SuperCrew Maserati Granturismo

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

Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Mitsubishi Lancer
Mercedes-Benz SL Class Dodge Charger
Volvo XC60 Kia Rio
Audi A6 Hyndai Accent
Subaru Outback Chevrolet Impala
Chevrolet Corvette Chrysler 200

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

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Maserati Granturismo
Nissan Xterra BMW M6
Chevy Spark Audi S7
Ford F-350 Mercedes-Benz S Class
Infiniti QX50 Bentley Continental GT
Chevy Silverado 2500 Bentley Continental GTC

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

More quotes mean more auto insurance savings

People leave their current company for any number of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and policy cancellation. Regardless of your reason for switching companies, switching companies is pretty simple and you could end up saving a buck or two.

When you buy Jupiter auto insurance online, it's not a good idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret they didn't have enough coverage. Your objective should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

In this article, we covered a lot of tips how to reduce auto insurance premium rates online in Jupiter. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding low cost Jupiter auto insurance quotes. You may even discover the most savings is with a lesser-known regional company.

Additional information can be found on the following sites: